| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCA FINANCIAL GROUP INC.3 | 180 CANAL ST - FL 5 BOSTON, MA 02114 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $12K | $12K | 1.91% |
| PGIA, INC DBA PROVIDER INSURANCE3 Filed as: PGIA, INC. DBA PROVIDER INSURANCE | PO BOX 1388 BANGOR, ME 04402 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $1K | $1K | 0.20% |
| BCA FINANCIAL GROUP INC.3 Filed as: BCA FINANCIAL GROUP INC | 180 CANAL ST - STE 600 BOSTON, MA 02114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 13.97% |
| PGIA, INC.3 Filed as: PGIA INC. | 275 PROMENDADE STREET-STE 135 PROVIDENCE, RI 02908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $87 | — | $87 | 1.03% |
| BCA FINANCIAL GROUP INC.3 | 180 CANAL ST - STE 600 BOSTON, MA 02114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 13.25% |
| PGLA INC3 | 275 PROMENADE ST - STE 135 PROVIDENCE, RI 02908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $138 | — | $138 | 1.75% |
| BCA FINANCIAL GROUP INC.3 Filed as: BCA FINANCIAL GROUP INC | 180 CANAL STREET - STE 601 BOSTON, MA 02114 | VISION SERVICE PLAN | $533 | — | $533 | 7.72% |
| PGIA, INC.3 | PO BOX 1388 BANGOR, ME 04402 | VISION SERVICE PLAN | $62 | — | $62 | 0.90% |
| BCA FINANCIAL GROUP INC.3 | 180 CANAL ST - STE 600 BOSTON, MA 02114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $461 | — | $461 | 9.26% |
| PGIA, INC.3 | 275 PROMENADE ST - STE 135 PROVIDENCE, RI 02908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37 | — | $37 | 0.74% |
| BCA FINANCIAL GROUP INC.3 | 180 CANAL ST - STE 600 BOSTON, MA 02114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $259 | — | $259 | 9.03% |
| PGIA, INC.3 Filed as: PGIA INC | 275 PROMENADE ST - STE 135 PROVIDENCE, RI 02908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28 | — | $28 | 0.98% |
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 | 88 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 99 | $634K |
| Dental | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 99 | $634K |
| Vision | VISION SERVICE PLAN | 54 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $13K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 9 | $3K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 24 | $8K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 99 | $634K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.