| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $858 | $16K | $17K | 2.50% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02914 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $3K | $3K | 0.49% |
| HILB GROUP OF NEW ENGLAND3 | 2 TRAP FALLS ROAD SUITE 350 SHELTON, CT 06484 | GUARDIAN | $5K | — | $5K | 8.05% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 15400 28TH AVENUE NORTH SUITE 200 PLYMOUTH, MN 55447 | GUARDIAN | $2K | — | $2K | 2.66% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY | 60 CATAMORE BOULEVARD PROVIDENCE, RI 02914 | GUARDIAN | $1K | — | $1K | 2.38% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE | 60 CATAMORE BOULEVARD SUITE 2 EAST PROVIDENCE, RI 02914 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $131 | — | $131 | 1.88% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 111 | $680K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 76 | $7K |
| Life insurance | GUARDIAN | 123 | $59K |
| Short-term disability | GUARDIAN | 123 | $59K |
| Long-term disability | GUARDIAN | 123 | $59K |
| Other | GUARDIAN | 123 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.