| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 CENTERVILLE ROAD, SUITE 100 EAST WARWICK, RI 02886 | SUN LIFE ASSURANCE COMPANY OF CANADA | $101K | $0 | $101K | 5.01% |
| MGIS5 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $1K | $1K | 0.06% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | SUN LIFE ASSURANCE COMPANY OF CANADA | -$144 | $0 | -$144 | -0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 1.59% |
| STEVEN J. PHILLIPS3 | 10 RED COACH DRIVE COVENTRY, RI 02816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 1.45% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $779 | $0 | $779 | 0.19% |
| KEVIN MCCARTHY3 Filed as: KEVIN THOMAS MCCARTHY | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $582 | $0 | $582 | 0.14% |
| MJ INSURANCE3 Filed as: EPSIX, INC. AND VARIOUS AGENTS | 3300 NORTH SCOTTSDALE ROAD SUITE 4020 SCOTTSDALE, AZ 85251 | CONTINENTAL AMERICAN INSURANCE COMPANY | $566 | $0 | $566 | 0.14% |
| DEBRA DALY3 | 338 READ SCHOOL HOUSE ROAD COVENTRY, RI 02816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $334 | $0 | $334 | 0.08% |
| DAVID A. GAMACHE3 Filed as: DAVID ALAN GAMACHE | 90 WATERWHEEL LANE NORTH KINGSTOWN, RI 02852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $275 | $0 | $275 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 CENTERVILLE ROAD, SUITE 100 EAST WARWICK, RI 02886 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 400 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.12% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $234 | $234 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | ARAG INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
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 | 1,386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 815 | $108K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,224 | $372K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,255 | $2.0M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,255 | $2.0M |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,386 | $838K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,386 | — |
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."
No prospect flags tripped on this filing.