| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 2.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 4.94% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 3.65% |
| LEE P. TRAIBMAN3 Filed as: LEE B. TRAIBMAN | 275 PROMENADE ST, STE 300 PROVIDENCE, RI 02908 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 2.46% |
| JEREMY STOWE3 Filed as: JEREMY T. STONE | 275 PROMENADE ST, STE 300 PROVIDENCE, RI 02908 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 2.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | AETNA | $3K | $843 | $4K | 5.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | AETNA | $855 | — | $855 | 1.37% |
| A AND S FIN. SVCS LLC3 | 2 S. UNIVERSITY DR, STE 330 PLANTATION, FL 33317 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 7.82% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FNCL SVCS | 4851 LYNDON B. JOHNSON FWY STE 1100 DALLAS, TX 75243 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 5.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $263 | $2K | 3.13% |
| PROTECTION AND FINANCE, INC.3 Filed as: PROTECTION AND FINANCE INC. | 340 W. BUTTERFIELD RD, STE 3B ELMHURST, IL 60126 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FLOOR NEW YORK, NY 10281 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.21% |
| THE HUNKEN AGENCY, INC.3 | 2550 COMPASS RD, STE H GLENVIEW, IL 60026 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | DELTA DENTAL OF RHODE ISLAND | $817 | — | $817 | 2.85% |
| IRVING FLAMER3 | 576 BROADHOLLOW RD MELVILLE, NY 11747 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 9.94% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FNCL SVCS | 1133 WESTCHESTER AVE, STE 229 WHITE PLAINS, NY 10604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 7.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $735 | — | $735 | 3.28% |
| GROUP BENEFIT ADM CT INC3 Filed as: GROUP BENEFIT ADM. CT INC. | 109 SANFORD ST HAMDEN, CT 06514 | STANDARD INSURANCE COMPANY | $819 | — | $819 | 4.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | STANDARD INSURANCE COMPANY | $310 | — | $310 | 1.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY ST, 6TH FLOOR NEW YORK, NY 10281 | DELTA DENTAL OF RHODE ISLAND | $382 | — | $382 | 2.85% |
| IRVING FLAMER3 | 576 BROADHOLLOW RD MELVILLE, NY 11747 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $847 | — | $847 | 8.83% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FNCL SVCS | 1133 WESTCHESTER AVE, STE 229 WHITE PLAINS, NY 10604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $646 | $646 | 6.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $314 | — | $314 | 3.27% |
| GROUP BEN. ADM. CT INC.3 | 109 SANFORD ST HAMDEN, CT 06514 | STANDARD INSURANCE COMPANY | $888 | — | $888 | 10.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FLOOR NEW YORK, NY 10281 | STANDARD INSURANCE COMPANY | $501 | — | $501 | 6.01% |
| GROUP BENEFIT ADM CT INC3 Filed as: GROUP BENEFIT ADM. CT INC. | 109 SANFORD ST HAMDEN, CT 06514 | STANDARD INSURANCE COMPANY | $588 | — | $588 | 9.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FLOOR NEW YORK, NY 10281 | STANDARD INSURANCE COMPANY | $226 | — | $226 | 3.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | DELTA DENTAL OF RHODE ISLAND | $149 | — | $149 | 2.84% |
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 | 396 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(8 contracts, 5 carriers) | DELTA DENTAL OF RHODE ISLAND | 311 | $353K |
| Life insurance(5 contracts, 5 carriers) | UNION SECURITY INSURANCE COMPANY | 239 | $200K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 74 | $46K |
| Long-term disability(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 223 | $109K |
| Other(4 contracts, 4 carriers) | UNION SECURITY INSURANCE COMPANY | 239 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.