| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $58K | $75K | $133K | 9.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 CENTERVILLE ROAD, SUITE 100E WARWICK, RI 02886 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $0 | $20K | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 110 ELM STREET PROVIDENCE, RI 02903 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 2.56% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 2.44% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $198 | $198 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $998 | $0 | $998 | 0.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | $0 | $18K | 26.68% |
| STEVEN J. PHILLIPS3 | 10 RED COACH DRIVE COVENTRY, RI 02816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 16.72% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.17% |
| KEVIN MCCARTHY3 Filed as: KEVIN T. MCCARTHY | 197 LANG DRIVE NORTHKINGSTOWN, RI 02852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.29% |
| JEFFREY S SOCK3 Filed as: JEFFREY S. SOCK | 1036 NARRAGANSETT CRANSTON, RI 02905 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.08% |
| GARRETT D SOCK3 Filed as: GARRETT D. SOCK | 1036 NARRAGANSETT BOULEVARD CRANSTON, RI 02905 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BEN SVS AND OTHER AGENTS | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | $0 | $168 | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | ARAG INSURANCE COMPANY | $847 | $0 | $847 | 4.37% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE, 3RD FLOOR MERIDEN, CT 06450 | ARAG INSURANCE COMPANY | $583 | $0 | $583 | 3.01% |
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 | 1,158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 717 | $104K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,158 | $364K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,109 | $1.4M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,109 | $1.4M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,158 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,158 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.