| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | 931 JEFFERSON BOULEVARD STE 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $102K | — | $102K | 3.17% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | 931 JEFFERSON BOULEVARD STE 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $6K | — | $6K | 2.41% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | 931 JEFFERSON BOULEVARD STE 3001 WARKWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $900 | — | $900 | 2.41% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | 931 JEFFERSON BOULEVARD STE 3001 WARKWICK, RI 02886 | EYEMED VISION CARE | $3K | — | $3K | 9.19% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | 931 JEFFERSON BOULEVARD STE 3001 WARKWICK, RI 02886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.79% |
| JAMES T KINNEY3 | 1429 WARWICK AVE WARWICK, RI 02888 | TRANSAMERICA LIFE | $4K | — | $4K | 13.16% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | 931 JEFFERSON BOULEVARD STE 3001 WARWICK, RI 02886 | TRANSAMERICA LIFE | $3K | — | $3K | 8.65% |
| MICHAEL R ACKERMAN3 | 150 E SWEDESFORD RD STE 102 WAYNE, PA 19087 | TRANSAMERICA LIFE | $279 | — | $279 | 0.84% |
| FIRST INSURANCE3 Filed as: FIRST BENEFITS LLC | 150 E SWEDESFORD RD STE 102 WAYNE, PA 19087 | TRANSAMERICA LIFE | $103 | — | $103 | 0.31% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | 931 JEFFERSON BOULEVARD STE 3001 WARWICK, RI 02886 | THE LINCOLN NATIONAL INSURANCE COMPANY | $2K | — | $2K | 9.01% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | 931 JEFFERSON BOULEVARD STE 3001 WARWICK, RI 02886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.79% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | 931 JEFFERSON BOULEVARD STE 3001 WARWICK, RI 02886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.39% |
| ROY A JANN3 | 1445 WANPANCAG TRAIL STE 105 RIVERSIDE, RI 02915 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $230 | — | $230 | 1.80% |
| STEPHEN F MORAN3 | 1445 WANPANCAG TRAIL STE 105 RIVERSIDE, RI 02915 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $230 | — | $230 | 1.80% |
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 | 276 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 271 | $3.2M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 540 | $277K |
| Vision | EYEMED VISION CARE | 389 | $35K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL INSURANCE COMPANY | 276 | $38K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 276 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 276 | $35K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 271 | $3.2M |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE | 610 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.