| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG INC | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $153K | $153K | 3.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES OF RI | 475 KILVERT STREET WARWICK, RI 05403 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $6K | — | $6K | 0.13% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG INC | 123 MAIN STEET 14TH FLOOR WHITE PLAINS, NY 10601 | DELTA DENTAL OF RHODE ISLAND | $8K | — | $8K | 1.96% |
| ASSURED SKCG, INC. DBA FOUNDERS GRP3 Filed as: ASSURED SKCC INC | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 9.30% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG INC | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.68% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG INC | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.81% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 123 MAIN STREET FLOOR 14 WHITE PLAINS, NY 10601 | VISION SERVICE PLAN | $2K | — | $2K | 100.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG INC | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $156 | — | $156 | 9.28% |
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 | 351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 326 | $4.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF RHODE ISLAND | 842 | $534K |
| Vision | VISION SERVICE PLAN | 318 | $2K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 468 | $103K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 468 | $87K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $126K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 468 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 842 | — |
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.