| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS K. GREENE INC.3 Filed as: DENNIS K. GREENE, INC. | 675 W. FOOTHILL BLVD., STE. 202 CLAREMONT, CA 917113475 | KAISER FOUNDATION HEALTH PLAN, INC. | $32K | — | $32K | 4.18% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 0.44% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 0.70% |
| JAMES T KINNEY3 Filed as: JAMES T. KINNEY | 1429 WARWICK AVENUE WARWICK, RI 02888 | TRANSAMERICA LIFE INSURANCE COMPANY | $914 | — | $914 | 5.19% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | TRANSAMERICA LIFE INSURANCE COMPANY | $616 | — | $616 | 3.50% |
| MICHAEL R ACKERMAN3 Filed as: MICHAEL R. ACKERMAN | 150 EAST SWEDESFORD ROAD, SUITE 102 WAYNE, PA 19087 | TRANSAMERICA LIFE INSURANCE COMPANY | $82 | — | $82 | 0.47% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | TRANSAMERICA LIFE INSURANCE COMPANY | $39 | — | $39 | 0.22% |
| DENNIS K. GREENE INC.3 Filed as: DENNIS K GREENE INC. | 630 S INDIAN HILL BLVD. # 4 CLAREMONT, CA 91711 | DELTA DENTAL OF CALIFORNIA | $506 | — | $506 | 3.92% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF CALIFORNIA | $195 | — | $195 | 1.51% |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 417 | 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 | 654 | $3.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF RHODE ISLAND | 595 | $274K |
| Vision | VISION SERVICE PLAN | 344 | $33K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,270 | $104K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 36 | $18K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,270 | $87K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,270 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,270 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.