See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 3 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 1 broker row. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE SEGAL COMPANY EIN 13-1928058 NONE | Actuarial Service code 11 | 116 HUNTINGTON AVENUE 8TH FLOOR BOSTON, MA 02116 | $73K |
| WARD FISHER & CO LLP EIN 05-0234540 NONE | Accounting (including auditing) Service code 10 | 250C CENTERVILLE RD WARWICK, RI 02886 | $64K |
| PARKER, BROWN, MACAULAY & SHEERIN EIN 04-3422478 NONE | Legal Service code 29 | 270 BELLEVUE AVE 356 NEWPORT, RI 02840 | $19K |
| KIERNAN, PLUNKETT & REDIHAN EIN 05-0404370 NONE | Legal Service code 29 | 91 FRIENDSHIP ST 5 PROVIDENCE, RI 02903 | $13K |
| SEGAL ROGERSCASEY EIN 13-2646110 NONE | Trustee (individual) Service code 20 | 116 HUNTINGTON AVENUE 8TH FLOOR BOSTON, MA 021165744 | $10K |
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 | 818 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 217 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,045 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF RHODE ISLAND | 1,977 | $16.9M |
| Dental | DELTA DENTAL OF RI | 1,924 | $778K |
| Life insurance | ULLICO | 1,087 | $194K |
| Other | ULLICO | 1,087 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,977 | — |
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 plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.