| 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 | $100K | — | $100K | 6.82% |
| STACY SHILL3 | 3 WOODHAVEN RD. BARRINGTON, RI 02806 | SUN LIFE ASSURANCE COMPANY OF CANADA | $38K | — | $38K | 7.00% |
| SHIELDS BROKERAGE3 | 21 HAMPTON RD., STE. 104 EXETER, NH 03833 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 5.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK, 899 CASSAT RD. STE.200 BERWYN, PA 19312 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 4.97% |
| MGIS3 | 111 SOUTH MAIN ST., STE. 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $135 | $135 | 0.03% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 13.73% |
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 | 650 | 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) | 654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,181 | $1.5M |
| Dental | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,189 | $448K |
| Vision | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 962 | $42K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 650 | $536K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 650 | $536K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 650 | $646K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,189 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.