| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $233K | $38K | $271K | 8.72% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND INSURANCE ADVISORS LLC | 30 JUNE TERRACE CANTON, MA 02021 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 5.16% |
| WILLIAM V IRONS3 | 150 PROSPECT RD WAKEFIELD, RI 02879 | AETNA LIFE INSURANCE CO. | $306 | — | $306 | 1.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINSTR | PO BOX 10414 DES MOINES, IA 50306 | GENWORTH LIFE INSURANCE COMPANY | $2K | — | $2K | 13.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH@WORK SOLUTIONS | PO BOX 10414 DES MOINES, IA 503060414 | HYATT LEGAL PLANS | $1K | — | $1K | 13.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | PO BOX 310502 DES MOINES, IA 503310502 | HYATT LEGAL PLANS | $0 | $735 | $735 | 8.22% |
| HEWITT INSURANCE BROKERAGE LLC3 | 230 3RD AVE CITY POINT WALTHAM, MA 02451 | FIRST UNUM LIFE INSURANCE COMPANY | $646 | $26 | $672 | 26.21% |
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 | 2,339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 3,226 | $15.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF RHODE ISLAND | 2,899 | $1.2M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,090 | $244K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,415 | $3.1M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,415 | $3.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,415 | $3.1M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,415 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,226 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.