| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD., SUITE 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $8K | — | $8K | 3.77% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | 931 JEFFERSON BLVD., SUITE 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $520 | — | $520 | 0.24% |
| HILB GROUP OF NEW ENGLAND5 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., SUITE 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $930 | — | $930 | 8.78% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | 931 JEFFERSON BLVD., SUITE 3001 WARWICK, RI 028862233 | UNITED OF OMAHA LIFE INSURANCE CO. | $198 | $50 | $248 | 9.33% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD., SUITE 3001 WARWICK, RI 02886 | UNITED OF OMAHA LIFE INSURANCE CO. | $68 | — | $68 | 2.56% |
| HILB GROUP OF NEW ENGLAND5 Filed as: THE HILB GROUP OF NEW ENGLAND | 931 JEFFERSON BLVD., SUITE 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $123 | — | $123 | 5.15% |
| CORNERSTONE FINANCIAL LLP5 Filed as: CORNERSTONE FINANCIAL GROUP | 931 JEFFERSON BLVD., SUITE 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $116 | — | $116 | 4.85% |
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 | 31 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 31 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 28 | $221K |
| Dental | DELTA DENTAL OF RHODE ISLAND | 31 | $11K |
| Vision | VISION SERVICE PLAN | 29 | $2K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO. | 31 | $3K |
| Other | UNITED OF OMAHA LIFE INSURANCE CO. | 31 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31 | — |
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.