| 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 | $274K | $46K | $320K | 8.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | PO BOX 310502 DES MOINES, IA 503310502 | HYATT LEGAL PLANS | $6K | $138K | $144K | 15.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH@WORK SOLUTIONS | PO BOX 10414 DES MOINES, IA 503060414 | HYATT LEGAL PLANS | — | $135K | $135K | 14.71% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | BOX 202617 DALLAS, TX 75320 | HYATT LEGAL PLANS | $61K | — | $61K | 6.67% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 75320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72K | — | $72K | 63.18% |
| HEWITT INSURANCE BROKERAGE LLC3 | 230 3RD AVE CITY POINT WALTHAM, MA 02451 | FIRST UNUM LIFE INSURANCE COMPANY | $261 | -$26 | $235 | 6.75% |
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 | 2,176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 2,991 | $14.0M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 2,847 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,144 | $239K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,196 | $3.7M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,196 | $3.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,196 | $3.7M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,429 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,429 | — |
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.