| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS ADVISORS INC | 2625 BUTTERFIELD ROAD STE 109N OAK BROOK, IL 60523 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $22K | $22K | 3.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 144 TURNPIKE RD STE 350 SOUTHBOROUGH, MA 01772 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 114 TURNPIKE ROAD STE 330 SOUTHBOROUGH, MA 01772 | DELTA DENTAL OF RHODE ISLAND | $4K | — | $4K | 1.22% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS LLC | 144 TURNPIKE ROAD SOUTHBORO, MA 01772 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 0.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 114 TURNPIKE ROAD STE 330 SOUTHBOROUGH, MA 01772 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 1.22% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS ADVISORS | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | DELTA DENTAL OF RHODE ISLAND | $971 | — | $971 | 0.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 1.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 144 TURNPIKE ROAD STE 330 SOUTHBOROUGH, MA 01772 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 114 TURNPIKE ROAD STE 330 SOUTHBOROUGH, MA 01772 | DELTA DENTAL OF RHODE ISLAND | $44 | — | $44 | 1.23% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | DELTA DENTAL OF RHODE ISLAND | $14 | — | $14 | 0.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 14 TURNPIKE ROAD STE 330 SOUTHBOROUGH, MA 01772 | DELTA DENTAL OF RHODE ISLAND | $35 | — | $35 | 1.21% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | DELTA DENTAL OF RHODE ISLAND | $12 | — | $12 | 0.42% |
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 | 624 | 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) | 624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 1,414 | $8.1M |
| Dental(4 contracts) | DELTA DENTAL OF RHODE ISLAND | 740 | $568K |
| Life insurance | STANDARD INSURANCE COMPANY | 624 | $187K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 284 | $96K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 580 | $691K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,414 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.