| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 115 FEDERAL STREET BOSTON, MA 021101894 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $25K | $28K | 0.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 265 EXCHANGE DRIVE CRYSTAL LAKE, IL 600146230 | UNITEDHEALTHCARE INSURANCE COMPANY | $424 | — | $424 | 0.01% |
| AJG BENEFIT SERVICES3 | 300 CENTREVILLE RD STE 100 EAST WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $5K | — | $5K | 2.90% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GRP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD STE 240 CRANSTON, RI 02920 | STANDARD INSURANCE COMPANY | $15K | $2K | $17K | 22.65% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD STE 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 17.07% |
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 |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 442 | $3.8M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 396 | $158K |
| Life insurance | STANDARD INSURANCE COMPANY | 258 | $74K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.