| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | HARTFORD LIFE AND ACCIDENT | $16K | $0 | $16K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 1.63% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2250 PEHLE W. STE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF RHODE ISLAND | $4K | $0 | $4K | 2.60% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2250 PEHLE W. STE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF RHODE ISLAND | $1K | $0 | $1K | 2.60% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2250 PEHLE W. STE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF RHODE ISLAND | $3K | $0 | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2250 PEHLE W. STE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF RHODE ISLAND | $288 | $0 | $288 | 2.60% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2250 PEHLE W. STE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF RHODE ISLAND | $963 | $0 | $963 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2250 PEHLE W. STE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF RHODE ISLAND | $713 | $0 | $713 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2250 PEHLE W. STE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF RHODE ISLAND | $230 | $0 | $230 | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2250 PEHLE W. STE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF RHODE ISLAND | $141 | $0 | $141 | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2250 PEHLE W. STE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF RHODE ISLAND | $141 | $0 | $141 | 10.73% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2250 PEHLE W. STE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF RHODE ISLAND | $24 | $0 | $24 | 2.63% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2250 PEHLE W. STE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF RHODE ISLAND | $9 | $0 | $9 | 2.62% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2250 PEHLE W. STE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF RHODE ISLAND | $14 | $0 | $14 | 9.79% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2250 PEHLE W. STE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF RHODE ISLAND | $11 | $0 | $11 | 10.09% |
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 | 425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 729 | $6.8M |
| Dental(6 contracts, 2 carriers) | DELTA DENTAL OF RHODE ISLAND | 589 | $307K |
| Vision(8 contracts) | DELTA DENTAL OF RHODE ISLAND | 379 | $56K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 425 | $159K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 425 | $159K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 425 | $159K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 729 | $6.8M |
| Other | HARTFORD LIFE AND ACCIDENT | 425 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 729 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.