| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $4K | $33K | $38K | 1.73% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISOLL LL | 135 SOUTH ROAD FARMINGTON, CT 06032 | DELTA DENTAL OF RHODE ISLAND | $4K | $0 | $4K | 2.04% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL & COMPANY | 135 SOUTH ROAD FARMINGTON, CT 06032 | VISION SERVICE PLAN | $873 | $0 | $873 | 6.08% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | MONY LIFE INSURANCE COMPANY OF AMERICA | $183 | $0 | $183 | 4.64% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $198 | $0 | $198 | 10.84% |
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 | 257 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 440 | $2.2M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 510 | $201K |
| Vision | VISION SERVICE PLAN | 144 | $14K |
| Life insurance(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 271 | $6K |
| Other(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 271 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.