| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF MASS | 50 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 021848704 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $12K | — | $12K | 1.90% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ PRIMARIY CARE INC. | P. O. BOX 632886 CINCINNATI, OH 45263 | PRIMARILY CARE INC | — | $10K | $10K | 21.11% |
| PARK ROW ASSOCIATES3 | 10 CHARLES STREET PROVIDENCE, RI 02904 | PRIMARILY CARE INC | $560 | — | $560 | 1.17% |
| CLEMENT REGO3 | 2623 EAST MAIN ROAD PORTSMOUTH, RI 02871 | PRINCIPAL LIFE INSURANCE COMPANY | $456 | — | $456 | 10.85% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | 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 | 143 | $684K |
| Dental | DELTA DENTAL OF RHODE ISLAND | 149 | $63K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 39 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.