| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GATEWAY INSURANCE SVCS LLC3 Filed as: GATEWAY INSURANCE SERVICES | 501 CENTERVILLE ROAD WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $24K | $24K | 2.15% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD. SUITE 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $9K | $9K | 0.78% |
| MICHAEL GEMMA3 | 501 CENTERVILLE ROAD WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $3K | $3K | 0.24% |
| MICHAEL GEMMA3 | 501 CENTERVILLE ROAD SUITE 103A WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 2.08% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD. SUITE 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 1.31% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD. SUITE 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $363 | — | $363 | 6.40% |
| GATEWAY BENEFITS3 Filed as: GATEWAY INSURANCE | 501 CENTERVILLE ROAD SUITE 103 WARWICK, RI 02886 | VISION SERVICE PLAN | $170 | — | $170 | 3.00% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 119 | $1.1M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 244 | $100K |
| Vision | VISION SERVICE PLAN | 70 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.