| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $38K | $38K | 1.34% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY, LLC | 177 MILK STREET, LOBBY 3 BOSTON, MA 02109 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $9K | $5K | $14K | 0.50% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $30K | — | $30K | 2.43% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY, LLC | 177 MILK STREET, LOBBY 3 BOSTON, MA 02109 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $17K | — | $17K | 1.43% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | UNKNOWN MIDDLETOWN, RI 02842 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $2K | — | $2K | 0.15% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 5.92% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY, LLC | 177 MILK STREET, LOBBY 3 BOSTON, MA 02109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $10K | 4.87% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY, LLC | 177 MILK STREET, LOBBY 3 BOSTON, MA 02109 | EYEMED VISION CARE | $621 | — | $621 | 2.59% |
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 | 368 | 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) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 441 | $4.1M |
| Vision | EYEMED VISION CARE | 351 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $202K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $202K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $202K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 441 | $4.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.