| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GATEWAY INSURANCE SVCS LLC3 Filed as: GATEWAY INSURANCE SERVICES, LLC | 501 CENTERVILLE ROAD WARWICK, RI 02886 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $19K | — | $19K | 4.00% |
| GATEWAY INSURANCE SVCS LLC3 Filed as: GATEWAY INSURANCE SERVICES, LLC | 501 CENTERVILLE ROAD WARWICK, RI 02886 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $12K | — | $12K | 4.00% |
| MICHAEL GEMMA3 | 501 CENTREVILLE ROAD WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $105 | — | $105 | 0.16% |
| HEATH NETWORK3 | 1615 PONTIAC AVENUE 3RD FLOOR CRANSTON, RI 02920 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.60% |
| GATEWAY INSURANCE SVCS LLC3 | 501 CENTERVILLE ROAD SUITE 103 A WARWICK, RI 02886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $205 | — | $205 | 1.60% |
| HEALTH NETWORK3 | 1615 PONTIAC AVENUE 3RD FLOOR CRANSTON, RI 02920 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $867 | — | $867 | 12.25% |
| GATEWAY INSURANCE SVCS LLC3 | 501 CENTERVILLE ROAD SUITE 103 A WARWICK, RI 02886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $195 | — | $195 | 2.76% |
| HEALTH NETWORK3 | 1615 PONTIAC AVENUE 3RD FLOOR CRANSTON, RI 02920 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $620 | — | $620 | 10.78% |
| GATEWAY INSURANCE SVCS LLC3 | 501 CENTERVILLE ROAD SUITE 103 A WARWICK, RI 02886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $123 | — | $123 | 2.14% |
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 | 101 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | FALLON HEALTH & LIFE ASSURANCE COMPANY | 99 | $781K |
| Dental | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 91 | $67K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $6K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 88 | $13K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 21 | $7K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.