| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER INS SERVICE INC | 750 WARRENVILLE RD SUITE 400 LESLE, IL 60532 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $57K | $57K | 1.98% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW DRIVE CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $20K | $20K | 0.69% |
| LONDON HEALTH ADMINISTRATORS3 | 40 COMMERCIAL WAY EAST PROVIDENCE, RI 02914 | LONDON HEALTH ADMINISTRATORS | $0 | $14K | $14K | 10.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER INS SERVICE INC | 750 WARRENVILLE RD SUITE 400 LESLE, IL 60532 | EQUITABLE LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.69% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE SUITE 1300 BOSTON, MA 02199 | EQUITABLE LIFE INSURANCE COMPANY OF AMERICA | $0 | $770 | $770 | 7.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW DRIVE CRANSTON, RI 02920 | EQUITABLE LIFE INSURANCE COMPANY OF AMERICA | $282 | — | $282 | 2.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER INS SERVICE INC | 750 WARRENVILLE RD SUITE 400 LESLE, IL 60532 | DELTA DENTA OF RHODE ISLAND | $20 | — | $20 | 2.16% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW DRIVE CRANSTON, RI 02920 | DELTA DENTA OF RHODE ISLAND | $4 | — | $4 | 0.43% |
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 | 653 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 549 | $2.9M |
| Dental | DELTA DENTA OF RHODE ISLAND | 6 | $927 |
| Vision | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 549 | $2.9M |
| Life insurance | EQUITABLE LIFE INSURANCE COMPANY OF AMERICA | 653 | $11K |
| Other | LONDON HEALTH ADMINISTRATORS | 248 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.