| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE THOMAS INSURANCE AGENCY INC3 | 125 METRO CENTER BLVD STE 3001 WARWICK, RI 02886 | ZURICH NORTH AMERICAN INSURANCE COMPANY | $17K | — | $17K | 6.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ZURICH NORTH AMERICAN INSURANCE COMPANY | $16K | — | $16K | 6.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 1.94% |
| GALLO THOMAS INSURANCE AGENCY3 | 125 METRO CENTER BLVD STE 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 1.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 CROWN COLONY DRIVE STE 308 QUINCY, MA 02169 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $912 | $3K | 8.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER THOMAS INS AGNCY INC | 125 METRO CENTER BLVD STE 3001 WARWICK, RI 02886 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.68% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF RHODE ISLAND | 210 | $75K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 258 | $41K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 258 | $41K |
| Other(2 contracts, 2 carriers) | ZURICH NORTH AMERICAN INSURANCE COMPANY | 258 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.