| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP, INC. | 931 JEFFERSON BOULEVARD, SUITE 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $26K | — | $26K | 0.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 50 BRAINTREE HILL OFFICE PARK SUITE 310 BRAINTREE, MA 02184 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $9K | — | $9K | 0.34% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BOULEVARD, SUITE 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $6K | — | $6K | 2.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 CROWN COLONY DRIVE, SUITE 308 QUINCY, MA 02169 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $2K | $21K | 9.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2315 ENTERPRISE DRIVE, SUITE 105 WESTCHESTER, IL 60154 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 2.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 CROWN COLONY DRIVE, SUITE 308 QUINCY, MA 02169 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 CENTERVILLE ROAD, SUITE 100 WARWICK, RI 02886 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $339 | — | $339 | 0.95% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP, INC. | 391 JEFFERSON BOULEVARD, SUITE 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $2K | — | $2K | 5.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 CROWN COLONY DRIVE, SUITE 308 QUINCY, MA 02169 | VISION SERVICE PLAN | $1K | — | $1K | 4.22% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 461 | $2.6M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 611 | $252K |
| Vision | VISION SERVICE PLAN | 222 | $35K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $257K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $257K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $257K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 461 | $2.6M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 611 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.