Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Gallagher Benefit Services, Inc. HealthRx | HealthRx | |
Dental | Dental | |
Broker: Gallagher Benefit Services, Inc. LifeOther | LifeOther |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 3 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 920 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 936 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,839 | $16.1M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 1,759 | $635K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 920 | $29K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,839 | $16.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 920 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,839 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Blue Cross Blue Shield of Rhode Island | |
Carrier: United of Omaha Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IBEW LOCAL NUMBER 99 EIN 05-0161150 ADMINISTRATION FEES | Contract Administrator Service code 13 | — | $155K |
| WARD, FISHER AND COMPANY LLP EIN 05-0234540 ACCOUNTING FEES | Accounting (including auditing) Service code 10 | — | $104K |
| BOSTON INVESTMENT AND TRUST EIN 04-2273811 INVESTMENT FEES | Investment management Service code 28 | — | $46K |
| 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 | — | $42K |
| RODIO AND URSILLO LTD. EIN 05-0398359 LEGAL FEES | Legal Service code 29 | — | $25K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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11 filings · 2015 to 2025