| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NE, LLC | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 4.20% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NE, LLC | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $821 | — | $821 | 4.20% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NE, LLC | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $496 | — | $496 | 4.20% |
| MARYSE HATHAWAY3 | 8 ATHENA TERRACE PORTSMOUTH, RI 02871 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $650 | — | $650 | 6.00% |
| JEREMY STOWE3 Filed as: JEREMY T STOWE | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $647 | — | $647 | 5.97% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | VISION SERVICE PLAN | $717 | — | $717 | 7.77% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $20 | — | $20 | 0.22% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NE, LC | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $387 | — | $387 | 4.20% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE BENEFIT ADMIN DBA AN | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | PRINCIPAL LIFE INSURANCE COMPANY | $627 | — | $627 | 8.98% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. DBA ARMS | 965 GREENTREE ROAD SSUITE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | — | $82 | $82 | 1.17% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts) | DELTA DENTAL OF RHODE ISLAND | 53 | $65K |
| Vision | VISION SERVICE PLAN | 85 | $9K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $18K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.