| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | P.O. BOX 632886 CINCINNATI, OH 45202 | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | $0 | $3K | $3K | 0.87% |
| JAMIE MORAN3 | 275 PROMENADE STREET PROVIDENCE, RI 02908 | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | $0 | $3K | $3K | 0.66% |
| KAREN J. BACON3 | 70 JEFFERSON BLVD. WARWICK, RI 02888 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.70% |
| KAREN J. BACON3 | 70 JEFFERSON BLVD. WARWICK, RI 028880000 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $778 | — | $778 | 20.18% |
| KAREN J. BACON3 Filed as: KAREN BACON | 70 JEFFERSON BLVD. WARWICK, RI 028880000 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $268 | — | $268 | 9.02% |
| KAREN J. BACON3 | 70 JEFFERSON BLVD. WARWICK, RI 02888 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 2.25% |
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 99 | $388K |
| Dental | DELTA DENTAL OF RHODE ISLAND | 85 | $33K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $19K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $12K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.