| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 115 FEDERAL STREET, 8TH FLOOR BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $16K | $0 | $16K | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $825 | $825 | 3.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IBEW LOCAL NUMBER 99 EIN 05-0161150 ADMINISTRATION FEES | Contract Administrator Service code 13 | — | $165K |
| WARD, FISHER AND COMPANY LLP EIN 05-0234540 ACCOUNTING FEES | Accounting (including auditing) Service code 10 | — | $101K |
| BOSTON INVESTMENT AND TRUST EIN 04-2273811 INVESTMENT FEES | Investment management Service code 28 | — | $70K |
| GALLAGHER BENEFIT SERVICES, INC. CONSULTING FEES | Consulting (general) Service code 16 | 475 KILVERT STREET, SUITE 105 WARWICK, RI 02886 | $43K |
| SEGAL COMPANY EIN 14-1835864 ACTUARIAL FEES | Actuarial Service code 11 | — | $25K |
| RODIO AND URSILLO LTD. EIN 05-0398359 LEGAL FEES | Legal Service code 29 | — | $23K |
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 | 739 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 757 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,751 | $13.6M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 1,610 | $532K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 843 | $26K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,751 | $13.6M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 843 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,751 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.