| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $16K | $229K | $246K | 2.90% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF RHODE ISLAND | $31K | — | $31K | 5.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $49K | — | $49K | 20.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $43K | — | $43K | 20.00% |
| GRAEVE NICHOLAS3 Filed as: GRAEVE, NICHOLAS | 99 EDWARDS STREET QUINCY, MA 02169 | USABLE LIFE | — | $981 | $981 | 0.46% |
| HOLMES, CRYSTAL3 | 21 ASCENSION STREET BLACKSTONE, MA 01504 | USABLE LIFE | — | $453 | $453 | 0.21% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $22K | — | $22K | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 9.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 93076 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $203 | — | $203 | 0.20% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $13K | — | $13K | 25.00% |
| DAME ADAM3 Filed as: DAME, ADAM | 6 GRIZZLY DRIVE RUTLAND, MA 01543 | USABLE LIFE | — | $733 | $733 | 1.36% |
| HOLMES, CRYSTAL3 | 21 ASCENSION STREET BLACKSTONE, MA 01504 | USABLE LIFE | $123 | — | $123 | 0.23% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $5K | — | $5K | 25.00% |
| DAME ADAM3 Filed as: DAME, ADAM | 6 GRIZZLY DRIVE RUTLAND, MA 01543 | USABLE LIFE | — | $165 | $165 | 0.77% |
| HOLMES, CRYSTAL3 | 21 ASCENSION STREET BLACKSTONE, MA 01504 | USABLE LIFE | — | $28 | $28 | 0.13% |
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 | 1,090 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,742 | $8.5M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 1,661 | $621K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,512 | $100K |
| Life insurance(2 contracts) | USABLE LIFE | 1,090 | $165K |
| Short-term disability | USABLE LIFE | 1,066 | $244K |
| Long-term disability | USABLE LIFE | 1,063 | $213K |
| Other(2 contracts) | USABLE LIFE | 1,090 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,742 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.