| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 0.79% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 1.43% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 1.04% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | VISION SERVICE PLAN | $6K | — | $6K | 2.00% |
| JASON R SMITH3 Filed as: JASON R. SMITH | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $1K | $11K | 17.62% |
| JAMES R SMITH INSURANCE LTD3 Filed as: JAMES R. SMITH INSURANCE AGENCY | 5835 POST ROAD SUITE 214 EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $450 | $2K | 2.70% |
| LAURIE SEUBERT3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $338 | $2K | 2.42% |
| BEIYANIL E PENA3 | 97 LEE STREET PAWTUCKET, RI 02861 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $376 | $66 | $442 | 0.70% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 56 STRAWBERRY LANE PORTSMOUTH, RI 02871 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $236 | $7 | $243 | 0.38% |
| THERESA CATHERINE MACMILLAN3 | 650 EAST GREENWICH AVE WEST WARWICK, RI 02893 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $182 | — | $182 | 0.29% |
| J KING INSURANCE INC3 Filed as: J KING INSURANCE INC. | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $16 | $51 | 0.08% |
| STEPHANIE DANGELO3 | 45 HOPKINS AVE EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.04% |
| MCSWEENEY AND RICCI INSURANCE AGENC3 | 420 WASHINGTON STREET BRAINTREE, MA 02184 | FEDERAL INSURANCE COMPANY | $686 | $23 | $709 | 15.51% |
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 | 3,599 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,087 | $315K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,643 | $1.2M |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 3,155 | $778K |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,345 | $725K |
| Other | FEDERAL INSURANCE COMPANY | 3,643 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,643 | — |
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.