| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 PLAZA 2 250 PEHLE W STE 400 SADDLE BROOK, NJ 07653 | DELTA DENTAL OF RHODE ISLAND | $9K | $0 | $9K | 1.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET 3RD FLOOR BOSTON, MA 02116 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $4K | $15K | 5.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $4K | $0 | $4K | 6.74% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.60% |
| JAMES T KINNEY3 | 1429 WARWICK AVE WARWICK, RI 02888 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.38% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD STE 240 CRANSTON, RI 02920 | TRANSAMERICA LIFE INSURANCE COMPANY | $569 | $0 | $569 | 1.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | TRANSAMERICA LIFE INSURANCE COMPANY | $478 | $0 | $478 | 1.10% |
| FIRST INSURANCE3 Filed as: FIRST BENEFITS LLC | 150 E SWEDESFORD RD, STE 102 WAYNE, PA 190871458 | TRANSAMERICA LIFE INSURANCE COMPANY | $60 | $0 | $60 | 0.14% |
| MICHAEL R ACKERMAN3 | 150 E SWEDESFORD RD, STE 102 WAYNE, PA 190871458 | TRANSAMERICA LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.06% |
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 | 538 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,008 | $6.9M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 936 | $461K |
| Vision | VISION SERVICE PLAN | 350 | $59K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 538 | $315K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 538 | $271K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,008 | $6.9M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 538 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,008 | — |
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."
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.