| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD STE 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $5K | — | $5K | 2.76% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NE, LLC | 931 JEFFERSON BLVD STE 3001 WARWICK, RI 02886 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 8.48% |
| MEDICAL GROUP INSURANCE SERVICES5 Filed as: MEDICAL GRP INS SRVCS INC | 10 WEST BROADWAY STE 800 SALT LAKE CITY, UT 84101 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $135 | $135 | 0.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI UNSURANCE SRVCS LLC | PO BOX 1158 EAST GREENWICH, RI 02818 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18 | — | $18 | 0.01% |
| ARTER FINANCIAL STRATEGIES3 | 125 SUMMER ST STE 1400 BOSTON, ME 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3 | — | $3 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NE | 931 JEFFERSON BLVD STE 3001 WARWICK, RI 02886 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD STE 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $1K | — | $1K | 4.45% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP, INC. | 931 JEFFERSON BLVD, STE 3001 WARWICK, RI 028862233 | VISION SERVICE PLAN | $242 | — | $242 | 1.05% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF RHODE ISLAND | 449 | $185K |
| Vision | VISION SERVICE PLAN | 129 | $23K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 277 | $122K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 277 | $122K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 507 | $579K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.