| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN & ASSOCIATES, LLC | 1843 BANCROFT WAY BERKELEY, CA 94703 | THE UNION LABOR LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| SAFTEY NET BENEFITS INC3 | 8100 OZARK DR SAN MARCOS, TX 78666 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $275 | $13K | 12.54% |
| GORDON R JONES INC3 Filed as: GORDON R JONES | 81 OZARK DR SAN MARCOS, TX 78666 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $646 | $8K | 7.52% |
| ENROLLMENT SOLUTIONS LTD3 | 66 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 3.99% |
| DAVID L FLEURY3 | 56 STRAWBERRY LANE PORTSMOUTH, RI 02781 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $856 | $42 | $898 | 0.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC EIN 38-2383171 NONE | Plan Administrator Service code 14 | — | $124K |
| WARD, FISHER, & CO EIN 05-0234540 NONE | Accounting (including auditing) Service code 10 | — | $51K |
| RODIO & URSILLO EIN 05-0398359 NONE | Legal Service code 29 | — | $47K |
| BANK OF AMERICA EIN 94-1687665 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $32K |
| MEKETA INVESTMENT GROUP EIN 04-2659023 NONE | Investment management Service code 28 | — | $25K |
| CHEIRON EIN 13-4215617 NONE | Actuarial Service code 11 | — | $15K |
| ROBERT M. CHEVERIE & ASSOCAITES, P. EIN 06-1335139 NONE | Legal Service code 29 | — | $10K |
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 | 604 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 417 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,021 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,974 | $10.6M |
| Dental | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,729 | $48K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 879 | $111K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 879 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,974 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.