| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW DRIVE CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $2K | — | $2K | 0.08% |
| JAMES CARROLL3 Filed as: JAMES F CARROLL | 3 TAFT CIRCLE HOPEDALE, MA 01747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.21% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 4507 N FRONT STREET STE 301 HARRISBURG, PA 17110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $846 | — | $846 | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES - BOS | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES - BOS | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DELTA DENTAL OF RHODE ISLAND | $28 | — | $28 | — |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 418 | $2.6M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 442 | $0 |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 301 | $17K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 301 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.
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.