| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF MASS | 50 BRAINTREE HILL OFFICE PARK #310 BRAINTREE, MA 02184 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $15K | $53K | $68K | 0.68% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC. | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $15K | $53K | $68K | 0.68% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | HM LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LINCOLN NATIONAL LIFE INSURANCE COM EIN 35-0472300 ATP | Claims processing Service code 12 | 8801 INDIAN HILLS DRIVE OMAHA, NE 68114 | $22K |
| BENEFIT STRATEGIES, LLC EIN 26-0003294 ADMIN FEE | Claims processing Service code 12 | PO BOX 1300 MANCHESTER, NH 031011300 | $14K |
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 | 798 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 805 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 725 | $10.0M |
| Dental(3 contracts) | DELTA DENTAL OF RHODE ISLAND | 430 | $506K |
| Vision | HM LIFE INSURANCE COMPANY | 278 | $35K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 798 | $102K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 469 | $91K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,073 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,073 | — |
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.