| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES RAIOLA3 | 125 METRO CENTER BOULEVARD WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $2K | $64K | $66K | 3.98% |
| JAMES RAIOLA3 | 125 METRO CENTER BOULEVARD SUITE 3000 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 1.43% |
| ATLANTIC INSURANCE PARTNERS3 | 460 EAST MAIN ROAD MIDDLETOWN, RI 02842 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 1.08% |
| NEWPORT INSURANCE AGENCY3 | 221 THIRD STREET NEWPORT, RI 02840 | DELTA DENTAL OF RHODE ISLAND | $560 | — | $560 | 0.36% |
| OCEANPOINT INSURANCE AGENCY3 Filed as: OCEANPOINT INSURANCE AGENCY INC | 500 WEST MAIN ROAD MIDDLETOWN, RI 02842 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 11.77% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC | ONE ENTERPRISE DRIVE SUITE 210 SHELTON, CT 06484 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 5.00% |
| JAY RAIOLA3 | 125 METRO CENTER BOULEVARD SUITE 3000 WARWICK, RI 02886 | VISION SERVICE PLAN | $636 | — | $636 | 2.85% |
| JAMES RAIOLA3 | 125 METRO CENTER BOULEVARD SUITE 3000 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $56 | — | $56 | 1.45% |
| ATLANTIC INSURANCE PARTNERS3 | 460 EAST MAIN ROAD MIDDLETOWN, RI 02842 | DELTA DENTAL OF RHODE ISLAND | $42 | — | $42 | 1.09% |
| NEWPORT INSURANCE AGENCY3 | 221 THIRD STREET NEWPORT, RI 02840 | DELTA DENTAL OF RHODE ISLAND | $13 | — | $13 | 0.34% |
| JAMES RAIOLA3 | 125 METRO CENTER BOULEVARD WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $20 | — | $20 | 1.42% |
| ATLANTIC INSURANCE PARTNERS3 | 460 EAST MAIN ROAD MIDDLETOWN, RI 02842 | DELTA DENTAL OF RHODE ISLAND | $15 | — | $15 | 1.06% |
| NEWPORT INSURANCE AGENCY3 | 221 THIRD STREET NEWPORT, RI 02840 | DELTA DENTAL OF RHODE ISLAND | $5 | — | $5 | 0.35% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 233 | $1.6M |
| Dental(3 contracts) | DELTA DENTAL OF RHODE ISLAND | 359 | $161K |
| Vision | VISION SERVICE PLAN | 187 | $22K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 170 | $41K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 170 | $41K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 170 | $41K |
| Other | HARTFORD LIFE AND ACCIDENT | 170 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.