| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE RD STE 350 SOUTHBOROUGH, MA 01772 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $19K | $29K | 4.09% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS LLC | 144 TURNPIKE ROAD SOUTHBORO, MA 01772 | DELTA DENTAL OF RHODE ISLAND | $5K | — | $5K | 1.57% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS ADVISORS | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | DELTA DENTAL OF RHODE ISLAND | $4K | — | $4K | 1.57% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, ME 01772 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 1.65% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | DELTA DENTAL OF RHODE ISLAND | $66 | — | $66 | 1.58% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | DELTA DENTAL OF RHODE ISLAND | $23 | — | $23 | 1.59% |
No Schedule C service providers reported on this filing.
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 | 682 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 682 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 1,535 | $6.9M |
| Dental(4 contracts) | DELTA DENTAL OF RHODE ISLAND | 796 | $599K |
| Life insurance | STANDARD INSURANCE COMPANY | 682 | $200K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 331 | $106K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 607 | $716K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,535 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.