| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $2K | $53K | $56K | 1.75% |
| RICHARD RACINE3 | 52 PHILLIP STREET MEDFIELD, MA 02052 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 2.57% |
| RICHARD RACINE3 | 52 PHILLIP STREET MEDFIELD, MA 02052 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 2.47% |
| RICHARD RACINE3 Filed as: RICHARD R RACINE | 52 PHILLIP STREET MEDFIELD, MA 02052 | BROOKWOOD COMPANIES INCORPORATED | $4K | $782 | $4K | 7.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | BROOKWOOD COMPANIES INCORPORATED | $2K | — | $2K | 3.41% |
| COMBINED SERVICES LLC3 | 2 DELTA DR., STE. 301 CONCORD, NH 03301 | BROOKWOOD COMPANIES INCORPORATED | $2K | — | $2K | 3.30% |
| RICHARD RACINE3 | 52 PHILLIP STREET MEDFIELD, MA 02052 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 2.66% |
| RICHARD RACINE3 Filed as: RICHARD R RACINE | 52 PHILLIP STREET MEDFIELD, MA 02052 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $383 | $3K | 8.52% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.22% |
| COMBINED SERVICES LLC3 | 2 DELTA DR., STE. 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 2.90% |
| RICHARD RACINE3 Filed as: RICHARD R RACINE | 52 PHILLIP STREET MEDFIELD, MA 02052 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $324 | $4K | 18.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.09% |
| COMBINED SERVICES LLC3 | 2 DELTA DR., STE. 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $724 | — | $724 | 3.52% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 10.00% |
| RICHARD RACINE3 Filed as: RICHARD R RACINE | 52 PHILLIP STREET MEDFIELD, MA 02052 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $201 | $2K | 11.72% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $178 | — | $178 | 1.34% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $741 | — | $741 | 10.00% |
| RICHARD RACINE3 Filed as: RICHARD R RACINE | 52 PHILLIP STREET MEDFIELD, MA 02052 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $231 | $28 | $259 | 11.69% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $101 | — | $101 | 4.56% |
| COMBINED SERVICES LLC3 | 2 DELTA DR., STE. 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $77 | — | $77 | 3.47% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $1 | — | $1 | 12.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $130 | — | $130 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $138 | — | $138 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $173 | — | $173 | — |
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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 393 | $3.2M |
| Dental(6 contracts) | DELTA DENTAL OF RHODE ISLAND | 157 | $177K |
| Vision(4 contracts) | DELTA DENTAL OF RHODE ISLAND | 113 | $31K |
| Life insurance(2 contracts, 2 carriers) | BROOKWOOD COMPANIES INCORPORATED | 335 | $76K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $37K |
| Other(3 contracts, 2 carriers) | BROOKWOOD COMPANIES INCORPORATED | 335 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.