| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY, LLC | 177 MILK STREET BOSTON, MA 02109 | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | $103K | $99K | $202K | 1.70% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY, LLC | 177 MILK STREET, SUITE 310 BOSTON, MA 02109 | DELTA DENTAL OF RHODE ISLAND | $16K | — | $16K | 2.50% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY, LLC | 177 MILK STREET, SUITE 305 BOSTON, MA 02109 | AETNA LIFE INSURANCE COMPANY | $34K | — | $34K | 9.09% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY, LLC | 177 MILK STREET BOSTON, MA 021093404 | VISION SERVICE PLAN | $8K | — | $8K | 7.50% |
No Schedule C service providers reported on this filing.
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 | 976 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 988 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 1,939 | $12.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF RHODE ISLAND | 1,937 | $814K |
| Vision | VISION SERVICE PLAN | 866 | $107K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,182 | $376K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 1,182 | $376K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,182 | $376K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 3,198 | $465K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,198 | — |
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.