| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | 931 JEFFERSON BLVD, STE 3001 WARWICK, RI 02886 | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | $89K | — | $89K | 1.61% |
| RICHARD RACINE3 | 185 CHARLES RIVER ST NEEDHAM, MA 02492 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 2.71% |
| RICHARD RACINE3 | 185 CHARLES RIVER ST NEEDHAM, MA 02492 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 2.71% |
| RICHARD RACINE3 | 52 PHILIP STREET MEDFIELD, MA 02052 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 10.03% |
| RICHARD RACINE3 | 185 CHARLES RIVER ST NEEDHAM, MA 02492 | DELTA DENTAL OF RHODE ISLAND | $913 | — | $913 | 2.71% |
| RICHARD RACINE3 | 52 PHILIP ST MEDFIELD, MA 02052 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 11.05% |
| RICHARD RACINE3 Filed as: RICHARD R. RACINE | 52 PHILIP ST. MEDFIELD, MA 02052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.69% |
| RICHARD RACINE3 | 185 CHARLES RIVER ST NEEDHAM, MA 02492 | DELTA DENTAL OF RHODE ISLAND | $684 | — | $684 | 2.71% |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 1,020 | $5.6M |
| Dental(4 contracts) | DELTA DENTAL OF RHODE ISLAND | 187 | $196K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $52K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 53 | $26K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $33K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,020 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.