| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES J RAIOLA | 125 METRO CENTER BOULEVARD WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $43K | $43K | 1.77% |
| NEWPORT INSURANCE AGENCY3 Filed as: NEWPORT INSURANCE AGENCY, INC. | 460 EAST MAIN ROAD MIDDLETOWN, RI 02908 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $35K | $35K | 1.45% |
| MASS MUTUAL FINANCIAL GROUP3 Filed as: JAMES RAIOLA MASS MUTUAL | 125 METRO CENTER BOULEVARD SUITE 3000 WARWICK, RI 02883 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 1.40% |
| NEWPORT INSURANCE AGENCY3 | A DIVISION OF STARKWEATHER PO BOX 549 PROVIDENCE, RI 02908 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 1.40% |
| OCEANPOINT INSURANCE AGENCY3 Filed as: OCEANPOINT INSURANCE AGENCY INC | 500 WEST MAIN ROAD SUITE 1 MIDDLETOWN, RI 02842 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 9.14% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES L | 2 ENTERPRISE DRIVE SUITE 204 SHELTON, CT 06484 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 4.97% |
| JAY RAIOLA3 | 125 METRO CENTER BOULEVARD SUITE 3000 WARWICK, RI 02886 | VISION SERVICE PLAN | $1K | — | $1K | 4.88% |
| MASS MUTUAL FINANCIAL GROUP3 Filed as: JAMES RAIOLA MASS MUTUAL | 125 METRO CENTER BOULEVARD SUITE 3000 WARWICK, RI 02883 | DELTA DENTAL OF RHODE ISLAND | $17 | — | $17 | 1.38% |
| NEWPORT INSURANCE AGENCY3 | A DIVISION OF STARKWEATHER PO BOX 549 PROVIDENCE, RI 02908 | DELTA DENTAL OF RHODE ISLAND | $17 | — | $17 | 1.38% |
| MASS MUTUAL FINANCIAL GROUP3 Filed as: JAMES RAIOLA MASS MUTUAL | 125 METRO CENTER BOULEVARD SUITE 3000 WARWICK, RI 02883 | DELTA DENTAL OF RHODE ISLAND | $7 | — | $7 | 1.42% |
| NEWPORT INSURANCE AGENCY3 | A DIVISION OF STARKWEATHER PO BOX 549 PROVIDENCE, RI 02908 | DELTA DENTAL OF RHODE ISLAND | $7 | — | $7 | 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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 271 | $2.4M |
| Dental(3 contracts) | DELTA DENTAL OF RHODE ISLAND | 442 | $174K |
| Vision | VISION SERVICE PLAN | 243 | $29K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 188 | $70K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 188 | $70K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 188 | $70K |
| Other | HARTFORD LIFE AND ACCIDENT | 188 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.