| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROLAND D FLORENZ3 Filed as: ROLAND D FLORENZ, MBA | 10 EZECHIEL CARRE RD EAST GREENWICH, RI 02818 | RELIANCE STANDARD | $375 | — | $375 | 7.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD SUITE 240 CRANSTON, RI 02920 | RELIANCE STANDARD | $375 | — | $375 | 7.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD SUITE 240 CRANSTON, RI 02920 | RELIANCE STANDARD | $70 | — | $70 | 1.40% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 30 MILL STREET UNIONVILLE, CT 06085 | RELIANCE STANDARD | $31 | — | $31 | 0.62% |
| ROLAND D FLORENZ3 Filed as: ROLAND D FLORENZ, MBA | 10 EZECHIEL CARRE RD EAST GREENWICH, RI 02818 | RELIANCE STANDARD | $719 | — | $719 | 14.36% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD SUITE 240 CRANSTON, RI 02920 | RELIANCE STANDARD | $719 | — | $719 | 14.36% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD SUITE 240 CRANSTON, RI 02920 | RELIANCE STANDARD | $121 | — | $121 | 2.42% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 30 MILL STREET UNIONVILLE, CT 06085 | RELIANCE STANDARD | $54 | — | $54 | 1.08% |
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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts) | RELIANCE STANDARD | 32 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32 | — |
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.