| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $4K | — | $4K | 0.09% |
| 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 | $3K | — | $3K | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF RHODE ISLAND | $6K | — | $6K | 2.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $642 | $10K | 5.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 2.10% |
| BOTTOM-LINE SOLUTIONS LLC | 1445 WAMPANOAG TRIAL 105 RIVERSIDE, RI 02915 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | — | $12K | 17.48% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC. | 16 INTERNATIONAL WAY WARWICK, RI 02886 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.50% |
| JAMES T KINNEY3 | 1429 WARWICK AVE WARWICK, RI 02888 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.12% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | 931 JEFFERSON BOULEVARD STE 3001 WARWICK, RI 02886 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.71% |
| FIRST INSURANCE3 Filed as: FIRST BENEFITS LLC | 150 E SWEDESFORD RD STE 102 WAYNE, PA 19087 | TRANSAMERICA LIFE INSURANCE COMPANY | $106 | — | $106 | 0.15% |
| MICHAEL R ACKERMAN3 | 150 E SWEDESFORD RD STE 102 WAYNE, PA 19087 | TRANSAMERICA LIFE INSURANCE COMPANY | $64 | — | $64 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | VISION SERVICE PLAN | $2K | — | $2K | 4.13% |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 357 | $4.4M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 647 | $355K |
| Vision | VISION SERVICE PLAN | 260 | $39K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 706 | $247K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 411 | $179K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 357 | $4.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 706 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 706 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.