| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $28K | $28K | 1.64% |
| SCHUSTER DRISCOLL LLC3 | 29 SOUTH MAIN STREET, SUITE 300 WEST HARTFORD, CT 06107 | DELTA DENTAL OF RHODE ISLAND | $4K | $0 | $4K | 3.05% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 7.89% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $764 | $0 | $764 | 12.17% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 185 | $1.7M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 216 | $133K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 121 | $6K |
| Life insurance | STANDARD INSURANCE COMPANY | 156 | $94K |
| Short-term disability | STANDARD INSURANCE COMPANY | 156 | $94K |
| Long-term disability | STANDARD INSURANCE COMPANY | 156 | $94K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 185 | $1.7M |
| Other | STANDARD INSURANCE COMPANY | 156 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.