| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON R SMITH3 Filed as: JASON R. SMITH | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $541 | $7K | 14.93% |
| JAMES R SMITH INSURANCE LTD3 Filed as: JAMES R. SMITH INSURANCE AGENCY | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $831 | $663 | $1K | 3.28% |
| LAURIE SEUBERT3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $801 | $219 | $1K | 2.24% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 545 SOUTH MAIN STREET PROVIDENCE, RI 02903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $344 | $191 | $535 | 1.18% |
| THERESA CATHERINE MACMILLAN3 | 650 EAST GREENWICH AVE WEST WARWICK, RI 02893 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $318 | $14 | $332 | 0.73% |
| CHRISTOPHER IHLEFELD3 | 104 JOHNSTREET PROVIDENCE, RI 02906 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $187 | $4 | $191 | 0.42% |
| J KING INSURANCE INC3 Filed as: J. KING INSURANCE, INC. | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $29 | $52 | 0.11% |
| MCSWEENEY AND RICCI INSURANCE AGENC3 | 420 WASHINGTON STREET BRAINTREE, MA 02185 | FEDERAL INSURANCE COMPANY | $686 | $18 | $704 | 15.40% |
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 | 2,571 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,588 | $39K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,230 | $769K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,983 | $576K |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,154 | $636K |
| Other | FEDERAL INSURANCE COMPANY | 2,571 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,230 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.