| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $82K | — | $82K | 0.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $87K | $25K | $112K | 6.87% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $12K | $12K | 0.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $76 | $30K | 15.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NE 10595 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $5K | $0 | $5K | 6.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 475 KILVERT ST STE 205 WARWICK, RI 02886 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | $0 | $2K | 2.32% |
| USI INSURANCE SERVICES LLC3 | ACCOUNTING CENTER PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $1K | $1K | 1.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 5700 POST RD EAST GREENWICH, RI 02818 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $634 | $0 | $634 | 0.81% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. | D/B/A USI INSURANCE SERVICE LLC P.O. BOX 3716, ATTN ANN INGRAM NORFOLK, VI 235143716 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $98 | $98 | 0.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $611 | $0 | $611 | 8.28% |
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 | 3,722 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 108 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 57 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 9,580 | $55.9M |
| Dental(47 contracts, 2 carriers) | DELTA DENTAL OF RHODE ISLAND | 2,027 | $0 |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,336 | $1.6M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 8 | $7K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,336 | $1.6M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 9,580 | $55.9M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,336 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,580 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.