| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $274K | — | $274K | 7.74% |
| MITCH GREENBERG3 | 60 RIVER FARM DRIVE EAST GREENWICH, RI 02818 | EXPRESS SCRIPTS, INC. | $30K | — | $30K | 0.86% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INS. CO. | $280K | — | $280K | 14.12% |
| MITCH GREENBERG3 | 60 RIVER FARM DRIVE EAST GREENWICH, RI 02818 | UNITED AMERICAN INS. CO. | $70K | — | $70K | 3.53% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $10K | $10K | 2.27% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $7K | $7K | 2.27% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,304 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 3,085 | $14.3M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 1,881 | $711K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 1,745 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,085 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.