| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GATEWAY INSURANCE SVCS LLC3 Filed as: GATEWAY INSURANCE SERVICES LLC | 501 CENTERVILLE ROAD SUITE 103A WARWICK, RI 02886 | TUFTS INSURANCE COMPANY | $2K | — | $2K | 0.03% |
| GATEWAY INSURANCE SVCS LLC3 Filed as: GATEWAY INSURANCE SERVICES LLC | 501 CENTERVILLE ROAD SUITE 103A WARWICK, RI 02886 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | $32K | — | $32K | 3.03% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY INS. SERVICES LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | — | $3K | $3K | 4.39% |
| GATEWAY INSURANCE SVCS LLC3 | 501 CENTERVILLE ROAD SUITE 103 A WARWICK, RI 02886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $953 | — | $953 | 12.43% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $383 | $383 | 5.00% |
| GATEWAY INSURANCE SVCS LLC3 | 501 CENTERVILLE ROAD SUITE 103 A WARWICK, RI 02886 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $914 | — | $914 | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $305 | $305 | 5.01% |
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 | 144 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 166 | $6.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 101 | $76K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $8K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18 | $6K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.