| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 0.82% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 1.05% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 1.53% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | VISION SERVICE PLAN | $7K | — | $7K | 1.94% |
| JASON R SMITH3 Filed as: JASON R. SMITH | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $813 | $15K | 17.78% |
| 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 | $2K | $770 | $2K | 2.97% |
| LAURIE SEUBERT3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $577 | $2K | 2.61% |
| JACQUELYN RENEE DINARDI3 | 315 COWESETT ROAD WARWICK, RI 02886 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $380 | — | $380 | 0.45% |
| BEIYANIL E PENA3 | 115 POCASSET AVE PROVIDENCE, RI 02909 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $333 | $7 | $340 | 0.41% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $162 | — | $162 | 0.19% |
| THERESA CATHERINE MACMILLAN3 | 650 EAST GREENWICH AVE WEST WARWICK, RI 02893 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.16% |
| STEPHANIE DANGELO3 | 45 HOPKINS AVE EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.10% |
| J KING INSURANCE INC3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $23 | $59 | 0.07% |
| DAVID ADAM BOAZ3 | 5804 POST ROAD UNIT 2 EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| MCSWEENEY AND RICCI INSURANCE AGENC3 | 420 WASHINGTON STREET BRAINTREE, MA 02184 | FEDERAL INSURANCE COMPANY | $686 | — | $686 | 15.01% |
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 | 3,834 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,850 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,778 | $357K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,893 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 3,358 | $855K |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,564 | $753K |
| Other | FEDERAL INSURANCE COMPANY | 3,893 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,893 | — |
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.