| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | SUN LIFE ASSURANCE COMPANY OF CANADA | $68K | $11K | $79K | 7.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL ITASCA, IL 60143 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37K | — | $37K | 3.68% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $97K | — | $97K | 10.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | — | $40K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 CROWN COLONY DR STE308 QUINCY, MA 02169 | VISION SERVICE PLAN | $6K | — | $6K | 2.88% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PL FL 14 ITASCA, IL 60143 | VISION SERVICE PLAN | $5K | — | $5K | 2.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS SOUTH CAROLINA EIN 57-0287419 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $2.2M |
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $712K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 4,054 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,054 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(8 contracts, 2 carriers) | DELTA DENTAL OF RHODE ISLAND | 4,228 | $2.7M |
| Vision | VISION SERVICE PLAN | 1,713 | $222K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,038 | $968K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,580 | $400K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,644 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,644 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.