| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD STE 240 CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $4K | — | $4K | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6000 FELDWOOD RD 8 COLLEGE PARK, GA 30349 | KAISER FOUNDATION HEALTH PLAN, INC. | $20K | — | $20K | 2.30% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD STE 240 CRANSTON, RI 02920 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 0.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF RHODE ISLAND | $15K | — | $15K | 4.58% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD STE 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 0.42% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD STE 240 CRANSTON, RI 02920 | HARTFORD LIFE & ACCIDENT | — | $13K | $13K | 4.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 744831 6000 FELDWOOD ROAD 833 COLLEGE PARK, GA 30349 | HARTFORD LIFE & ACCIDENT | $12K | — | $12K | 4.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE & ACCIDENT | — | $5K | $5K | 1.79% |
| HILB GROUP OF NEW ENGLAND3 | 2 TRAP FALLS RD STE 350 SHELTON, CT 06484 | HARTFORD LIFE & ACCIDENT | $2K | — | $2K | 0.84% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS AGENCY | 2000 CHAPEL VIEW BLVD STE 240 CRANSTON, RI 02920 | HARTFORD LIFE & ACCIDENT | — | $1K | $1K | 0.42% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD STE 240 CRANSTON, RI 02920 | EYEMED VISION CARE | $6K | — | $6K | 9.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 200 BROOKSTONE CENTRE PKWY 118 COLUMBUS, GA 31904 | EYEMED VISION CARE | $6K | — | $6K | 9.46% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD STE 240 CRANSTON, RI 02920 | EYEMED VISION CARE | $897 | — | $897 | 9.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 200 BROOKSTONE CENTRE PKWY 118 COLUMBUS, GA 31904 | EYEMED VISION CARE | $897 | — | $897 | 9.73% |
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 | 703 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 703 | 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 | 1,122 | $6.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF RHODE ISLAND | 1,175 | $335K |
| Vision | EYEMED VISION CARE | 1,015 | $67K |
| Life insurance | HARTFORD LIFE & ACCIDENT | 1,177 | $276K |
| Short-term disability | HARTFORD LIFE & ACCIDENT | 1,177 | $276K |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 1,177 | $276K |
| Other | HARTFORD LIFE & ACCIDENT | 1,177 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,177 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.