| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED SKCG, INC. DBA FOUNDERS GRP3 Filed as: ASSURED SKCC INC | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $16K | $45K | $62K | 1.42% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET WOBURN, MA 01801 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $51K | — | $51K | 1.16% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG INC | 123 MAIN STEET 14TH FLOOR WHITE PLAINS, NY 10601 | DELTA DENTAL OF RHODE ISLAND | $7K | — | $7K | 2.09% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG INC | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 4.53% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD, BUILDING C PORTLAND, ME 04106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.22% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG INC | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 8.08% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD BUILDING C PORTLAND, ME 04106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.23% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG INC | 123 MAIN STREET FLOOR 14 WHITE PLAINS, NY 10601 | VISION SERVICE PLAN | $2K | — | $2K | 2.66% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET BLDG B STE 205 WARWICK, RI 05403 | VISION SERVICE PLAN | $384 | — | $384 | 0.59% |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 309 | $4.4M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 796 | $359K |
| Vision | VISION SERVICE PLAN | 300 | $65K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 262 | $107K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 262 | $82K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 309 | $4.4M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 262 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 796 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.