| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | P O BOX 28852 NEW YORK, NY 10087 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $41K | $20K | $61K | 3.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON DELAWARE INC. | 800 N GLEBE ROAD ARLINGTON, VA 10017 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $35K | $0 | $35K | 2.34% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSIONS LOCKBOX 28852 P O BOX 28852 NEW YORK, NY 10087 | UNITED HEALTHCARE INSURANCE COMPANY | $28K | $0 | $28K | 4.99% |
| 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 NEW YORK, NY 10087 | UNITED HEALTH CARE INSURANCE COMPANY | $3K | $0 | $3K | 9.24% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. AN AO | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 6.16% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE E, SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $799 | $0 | $799 | 3.19% |
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 | 1,975 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,001 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 261 | $4.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF RHODE ISLAND | 319 | $185K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,344 | $295K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,975 | $1.9M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,975 | $1.9M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,975 | $1.9M |
| Prescription drug(5 contracts, 5 carriers) | INDEPENDENT HEALTH BENEFITS CORPORATION | 261 | $4.7M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,441 | $559K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,975 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,975 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.