| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVIDEER INSURANCE3 | PO BOX 1388 BANGOR, ME 04401 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $9K | $38K | $47K | 1.68% |
| PGIA, INC.3 | 275 PROMENADE DRIVE STE 135 PROVIDENCE, RI 02908 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 5.04% |
| AJG BENEFIT SERVICES3 | 300 CENTREVILLE RD STE 100 EAST WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | — |
| AJG BENEFIT SERVICES3 | 300 CENTREVILLE RD STE 100 EAST WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $25 | — | $25 | — |
| AJG BENEFIT SERVICES3 | 300 CENTREVILLE RD STE 100 EAST WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $190 | — | $190 | — |
| AJG BENEFIT SERVICES3 | 300 CENTREVILLE RD STE 100 EAST WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $117 | — | $117 | — |
| AJG BENEFIT SERVICES3 | 300 CENTREVILLE RD STE 100 EAST WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $8 | — | $8 | — |
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 | 439 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 511 | $2.8M |
| Dental(5 contracts) | DELTA DENTAL OF RHODE ISLAND | 460 | $0 |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 431 | $28K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 431 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.