| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES OF CONNECTICUT | NORTHEAST SERIES 76 BATTERSON PARK RD FARMINGTON, CT 06032 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $40K | $40K | 0.62% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST SAN FRANCISCO, CA 94111 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $13K | $13K | 0.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | — | $31K | 8.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 1.88% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST KANSAS CITY, MO 64112 | DELTA DENTAL OF RHODE ISLAND | $6K | — | $6K | 1.84% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST SUITE 400 SAN FRANCISCO, CA 94111 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 0.62% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $4K | — | $4K | 5.68% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | VISION SERVICE PLAN | $1K | — | $1K | 1.82% |
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 | 1,527 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 729 | $6.5M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 760 | $307K |
| Vision | VISION SERVICE PLAN | 398 | $71K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,527 | $369K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,527 | $369K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,527 | $369K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 729 | $6.5M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,527 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,527 | — |
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.