| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST SAN FRANCISCO, CA 94111 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $50K | $50K | 0.73% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34K | — | $34K | 8.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $144 | — | $144 | 0.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST SUITE 400 SAN FRANCISCO, CA 94111 | DELTA DENTAL OF RHODE ISLAND | $8K | — | $8K | 2.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | VISION SERVICE PLAN | $4K | — | $4K | 5.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | PO BOX 102159 PASADENA, CA 911892189 | VISION SERVICE PLAN | $2K | — | $2K | 2.51% |
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 | 1,432 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,432 | 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 | 758 | $6.8M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 807 | $326K |
| Vision | VISION SERVICE PLAN | 410 | $73K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,432 | $396K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,432 | $396K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,432 | $396K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 758 | $6.8M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,432 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,432 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.