No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE SEGAL COMPANY EIN 13-1928058 NONE | Actuarial Service code 11 | 116 HUNTINGTON AVENUE 8TH FLOOR BOSTON, MA 02116 | $77K |
| WARD FISHER & CO LLP EIN 05-0234540 NONE | Accounting (including auditing) Service code 10 | 250C CENTERVILLE RD WARWICK, RI 02886 | $60K |
| 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 | 788 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 220 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,015 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF RHODE ISLAND | 1,942 | $16.2M |
| Dental | DELTA DENTAL OF RI | 1,895 | $746K |
| Life insurance | ULLICO | 1,005 | $217K |
| Other | ULLICO | 1,005 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,942 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.