| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | BLUE CROSS BLUE SHIELD OF RI | $17K | — | $17K | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF RI EIN 05-0158952 NONE | Claims processing Service code 12 | — | $1.1M |
| ADMINISTRATION SERVICES INC. EIN 05-0345198 NONE | Contract Administrator Service code 13 | — | $168K |
| COIA & LEPORE EIN 05-0353671 NONE | Legal Service code 29 | — | $101K |
| ADLER POLLOCK & SHEEHAN EIN 05-0343749 NONE | Legal Service code 29 | — | $96K |
| THE SEGAL COMPANY EIN 13-1928058 NONE | Consulting (general) Service code 16 | — | $78K |
| NIXON PEABODY LLP NONE | Legal Service code 29 | ONE CITIZENS PLAZA PROVIDENCE, RI 02903 | $44K |
| WARD FISHER & COMPANY EIN 05-6016572 NONE | Accounting (including auditing) Service code 10 | — | $32K |
| WEX INC. EIN 01-0526993 NONE | Other fees Service code 99 | — | $32K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 NONE | Investment management Service code 28 | — | $28K |
| CORRENTE LAW OFFICE EIN 06-1484539 NONE | Legal Service code 29 | — | $24K |
| SEGAL MARCO EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | — | $20K |
| ACADIAN ASSET MANAGEMENT LLC EIN 04-2929221 NONE | Investment management Service code 28 | — | $12K |
| CAMPANA SARZA & TATEWOSIAN EIN 05-3045198 NONE | Accounting (including auditing) Service code 10 | — | $7K |
| CITIZENS BANK EIN 20-2635739 NONE | Custodial (securities) Service code 19 | — | $7K |
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 | 2,071 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,071 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RI | 4,658 | $26.5M |
| Dental | BLUE CROSS BLUE SHIELD OF RI | 4,262 | $1.7M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,721 | $160K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RI | 4,658 | $26.5M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF RI | 4,658 | $26.5M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,721 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,658 | — |
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.