| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS/MA | SUITE 310 50 BRAINTREE HILL PARK BRAINTREE, MA 02184 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $5K | $0 | $5K | 5.00% |
| GORDON R JONES INC3 | 8100 OZARK DR SAN MARCOS, TX 78666 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $702 | $6K | 42.89% |
| ENROLLMENT SOLUTIONS LTD3 | 14 WUNSCHEL DR SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 14.72% |
| DAVID L FLEURY3 | 545 SOUTH MAIN ST PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $446 | $521 | $967 | 6.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RODIO & URSILLO EIN 05-0398359 NONE | Legal Service code 29 | — | $68K |
| WARD, FISHER, & CO. EIN 05-0234540 NONE | Accounting (including auditing) Service code 10 | — | $24K |
| MEKETA INVESTMENT GROUP EIN 04-2659023 NONE | Investment management Service code 28 | — | $23K |
| CHEIRON EIN 13-4215617 NONE | Actuarial Service code 11 | — | $14K |
| ROBERT M. CHEVERIE & ASSOCIATES, PC EIN 06-1335139 NONE | Legal Service code 29 | — | $11K |
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 | 516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 424 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 940 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 1,806 | $8.4M |
| Dental | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,531 | $441K |
| Life insurance | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 844 | $94K |
| Other | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 844 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,806 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.