| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | PO BOX 28852 NEW YORK, NY 100878852 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $30K | $75K | $105K | 6.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 800 GLEBE ROAD ARLINGTON, VA 10017 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $41K | $41K | 2.77% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC. | P O BOX 549 PROVIDENCE, RI 02901 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $3K | $0 | $3K | 0.21% |
| WILLIS TOWERS WATSON US LLC3 | 335 MADISON AVENUE, FL 20 NEW YORK, NY 10017 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $35K | $35K | 6.00% |
| UMR, INC.3 Filed as: UMR INC. | 11 SCOTT STREET, SUITE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $17K | $17K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 80 WILLIAM STREET WELLESLEY HILLS, MA 02481 | DELTA DENTAL OF RHODE ISLAND | $4K | $0 | $4K | 2.94% |
| WILLIS TOWERS WATSON US LLC3 | P O BOX 28852, LOCK BOX 28852 NEW YORK, NY 100878852 | UNITED HEALTHCARE | $3K | $0 | $3K | 10.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | UNUM | $878 | $2K | $3K | 10.73% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON CO | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM | $0 | $938 | $938 | 3.54% |
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 | 2,025 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,065 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 285 | $5.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF RHODE ISLAND | 324 | $180K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,378 | $282K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,025 | $1.7M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,025 | $1.7M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,025 | $1.7M |
| Prescription drug(5 contracts, 5 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 285 | $5.5M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 3,209 | $580K |
| Other(3 contracts, 3 carriers) | UNUM | 2,025 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,209 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.