| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES RAIOLA3 | 125 METRO CENTER BOULEVARD WARWICK, RI 02883 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $11K | $43K | $54K | 1.46% |
| NEWPORT INSURANCE AGENCY3 | 460 EAST MAIN ROAD MIDDLETOWN, RI 02842 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $30K | $30K | 0.83% |
| JAMES RAIOLA3 | 125 METRO CENTER BOULEVARD SUITE 3000 WARWICK, RI 02883 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 1.44% |
| NEWPORT INSURANCE AGENCY3 | 221 THIRD STREET NEWPORT, RI 02840 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 1.44% |
| OCEANPOINT INSURANCE AGENCY3 Filed as: OCEANPOINT INSURANCE AGENCY INC | 500 WEST MAIN ROAD SUITE 1 MIDDLETOWN, RI 02842 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 10.88% |
| 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 02883 | VISION SERVICE PLAN | $1K | — | $1K | 5.10% |
| JAMES RAIOLA3 | 125 METRO CENTER BOULEVARD WARWICK, RI 02883 | DELTA DENTAL OF RHODE ISLAND | $18 | — | $18 | 1.46% |
| NEWPORT INSURANCE AGENCY3 | 221 THIRD STREET NEWPORT, RI 02840 | DELTA DENTAL OF RHODE ISLAND | $18 | — | $18 | 1.46% |
| JAMES RAIOLA3 | 125 METRO CENTER BOULEVARD SUITE 3000 WARWICK, RI 02883 | DELTA DENTAL OF RHODE ISLAND | $13 | — | $13 | 1.42% |
| NEWPORT INSURANCE AGENCY3 | 221 THIRD STREET NEWPORT, RI 02840 | DELTA DENTAL OF RHODE ISLAND | $13 | — | $13 | 1.42% |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 238 | $3.7M |
| Dental(3 contracts) | DELTA DENTAL OF RHODE ISLAND | 388 | $160K |
| Vision | VISION SERVICE PLAN | 190 | $24K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 182 | $49K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 182 | $49K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 182 | $49K |
| Other | HARTFORD LIFE AND ACCIDENT | 182 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.