| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF MASS | 50 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 02184 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $2K | $8K | $10K | 0.14% |
| NORMAND ST. LAURENT3 Filed as: NORMAND - ST LAURENT | 11 JEFFERSON ROAD NORTH SMITHFIELD, RI 02896 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $8K | $8K | 0.11% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW DRIVE CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $2K | $0 | $2K | 0.03% |
| NORMAND ST. LAURENT3 Filed as: NORMAND - ST LAURENT | 11 JEFFERSON ROAD NORTH SMITHFIELD, RI 02896 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $471 | $471 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF MASS | 50 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 02184 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $471 | $471 | 0.12% |
| ST LAURENT, NORMAND A3 | 11 JEFERSON ROAD NORTH SMITHFIELD, RI 02896 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $4K | $27K | 7.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $1K | $19K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $4K | $0 | $4K | 3.69% |
| NORMAND ST. LAURENT3 | 11 JEFFERSON RD NORTH SMITHFIELD, RI 028967408 | VISION SERVICE PLAN | $258 | $0 | $258 | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $97 | $3K | 9.39% |
| ST LAURENT, NORMAND A3 | 11 JEFFERSON ROAD STE 930 WHITE PLAINS, NY 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $987 | $397 | $1K | 4.09% |
| ST LAURENT, NORMAND A3 | 11 JEFFERSON ROAD NORTH SMITHFIELD, RI 02896 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $714 | $136 | $850 | 6.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $444 | $33 | $477 | 3.71% |
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 | 563 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 867 | $7.2M |
| Dental | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 933 | $396K |
| Vision | VISION SERVICE PLAN | 360 | $99K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 319 | $424K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 319 | $378K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 319 | $412K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 867 | $7.2M |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 319 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 933 | — |
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.