| 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 | $126K | $0 | $126K | 5.00% |
| MGIS3 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $1K | $1K | 0.05% |
| STEPHEN J. PHILLIPS3 | 10 RED COACH DRIVE COVENTRY, RI 02816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 8.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 BLUE BELL, ME 04106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.79% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY AND OTHER AGENTS | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.11% |
| DEBRA DALY3 | 338 READ SCHOOL HOUSE ROAD COVENTRY, RI 02816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.89% |
| KEVIN MCCARTHY3 Filed as: KEVIN THOMAS MCARTHY | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.82% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIEMAN | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $861 | $0 | $861 | 0.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | $0 | $40 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.44% |
| 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 | 1,409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 858 | $114K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,300 | $2.5M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,300 | $2.5M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,300 | $2.5M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,409 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,409 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.