| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $33K | $25K | $58K | 3.19% |
| RODNEY BRUSINI3 Filed as: RODNEY M BRUSINI | 1401 NEWPORT AVENUE PAWTUCKET, RI 02861 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SC | 2245 TEXAS DRIVE #140 SUGARLAND, TX 77479 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $1K | — | $1K | 5.15% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | — |
| HILB GROUP OF NEW ENGLAND3 | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | — |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 276 | $1.8M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 144 | $0 |
| Vision | VISION SERVICE PLAN | 120 | $23K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 212 | $55K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 212 | $55K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 212 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.