| 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 | $690 | $17K | $18K | 1.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE W STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07653 | DELTA DENTAL OF RHODE ISLAND | $3K | $0 | $3K | 3.81% |
| MARSH & MCLENNAN AGENCY LLC3 | PROTECTOR GROUP INS 100 FRONT STREET STE 800 WORCESTER, MA 01608 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 10.60% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $437 | $0 | $437 | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 | PROTECTOR GROUP INS 100 FRONT STREET STE 800 WORCESTER, MA 01608 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 7.37% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $405 | $0 | $405 | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $1K | $0 | $1K | 10.85% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 145 | $1.0M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 188 | $77K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 195 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 143 | $27K |
| Long-term disability | STANDARD INSURANCE COMPANY | 143 | $33K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 145 | $1.0M |
| Other | STANDARD INSURANCE COMPANY | 143 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.