| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORORATE SERVICES (NY) | PO BOX 9101 PLAINVIEW, NY 118039001 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $67K | $67K | 1.51% |
| SCHUSTER DRISCOLL LLC3 Filed as: THE SCHUSTER GROUP | 29 SOUTH MAIN ST., STE. 300 WEST HARTFORD, CT 061072420 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $28K | $28K | 0.64% |
| SCHUSTER DRISCOLL LLC3 Filed as: THE SCHUSTER GROUP | 29 SOUTH MAIN ST., STE. 300 WEST HARTFORD, CT 06107 | DELTA DENTAL OF RHODE ISLAND | $4K | — | $4K | 1.91% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 1.13% |
| DAVID HENRY3 | PO BOX 460 HOPE, RI 02831 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 14.68% |
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 | 401 | 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) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 291 | $4.5M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 543 | $184K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 401 | $19K |
| Other | BOSTON MUTUAL LIFE INSURANCE COMPANY | 401 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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.