| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELCE MILE RD. BERKLEY, MI 48072 | THE UNION LABOR LIFE INSURANCE COMPANY | $6K | — | $6K | 4.99% |
| SAFETY NET BENEFITS INC3 | 8100 OZARK DE. SAN MARCOS, TX 78666 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $256 | $15K | 15.23% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD. SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.83% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD. TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | — | $246 | 0.25% |
| DAVID L FLEURY3 Filed as: DAVID FLEURY | 162 INDIAN POINT RD. TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $1 | $132 | 0.13% |
| 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 | — | $49K |
| RODIO & URSILLO EIN 05-0398359 NONE | Legal Service code 29 | — | $45K |
| BANK OF AMERICA EIN 91-1687665 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $36K |
| MEKETA INVESTMENT GROUP EIN 04-2659023 NONE | Investment management Service code 28 | — | $26K |
| CHEIRON EIN 13-4215617 NONE | Actuarial Service code 11 | — | $15K |
| ROBERT M. CHEVERIE & ASSOCIATES, PC EIN 06-1335139 NONE | Legal Service code 29 | — | $8K |
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 | 606 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 433 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,039 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 1,945 | $10.9M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,724 | $86K |
| Vision | HM LIFE INSURANCE COMPANY | 1,514 | $77K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 923 | $119K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 923 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,945 | — |
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.