| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DBR GROUP3 Filed as: DBR GROUP, INC. | 959 CONCORD STREET FRAMINGHAM, MA 01701 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $111K | — | $111K | 2.16% |
| DBR GROUP3 Filed as: DBR GROUP, INC. | 959 CONCORD STREET FRAMINGHAM, MA 01701 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $8K | — | $8K | 2.35% |
| DBR GROUP3 Filed as: DBR GROUP, INC. | 959 CONCORD STREET FRAMINGHAM, MA 01701 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 12.00% |
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 | 401 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 841 | $5.1M |
| Dental | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 896 | $321K |
| Vision | VISION SERVICE PLAN | 258 | $30K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 401 | $232K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 401 | $232K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 401 | $232K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 401 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 896 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.