| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 66 ROUTE 17 NORTH PARAMUS, NJ 07652 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $9K | $9K | 1.02% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $6K | $6K | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE W STE 400 SADDLE BROOK, NJ 07653 | DELTA DENTAL OF RHODE ISLAND | $2K | $0 | $2K | 2.65% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH RD FARMINGTON, CT 06032 | DELTA DENTAL OF RHODE ISLAND | $939 | $0 | $939 | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 | PROTECTOR GROUP INS 100 FRONT STREET STE 800 WORCESTER, MA 01608 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 7.60% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH RD FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 4.78% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $546 | $0 | $546 | 2.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PROTECTOR GROUP INS 100 FRONT STREET STE 8 WORCESTER, MA 01608 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 4.18% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH RD FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $952 | $0 | $952 | 3.64% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $517 | $0 | $517 | 1.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $660 | $0 | $660 | 6.74% |
| SCHUSTER DRISCOLL LLC3 Filed as: THE SCHUSTER GROUP | 135 SOUTH ROAD FARMINGTON, CT 06032 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $397 | $0 | $397 | 4.06% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 138 | $912K |
| Dental | DELTA DENTAL OF RHODE ISLAND | 194 | $71K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 175 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 132 | $26K |
| Long-term disability | STANDARD INSURANCE COMPANY | 132 | $27K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 138 | $912K |
| Other | STANDARD INSURANCE COMPANY | 132 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
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.