| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PGIA, INC DBA PROVIDER INSURANCE3 | 160 GOULD STREET SUITE 122 NEEDHAM, MA 02494 | UNITED HEALTHCARE INSURANCE COMPANY | $45K | — | $45K | 8.31% |
| PROVIDER INSURANCE GROUP, LLC3 Filed as: PROVIDER INSURANCE GROUP LLC | 160 GOULD STREET SUITE 130 NEEDHAM, MA 02494 | UNITED HEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 2.33% |
| PGIA, INC DBA PROVIDER INSURANCE3 | 160 GOULD STREET SUITE 122 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $6K | — | $6K | 2.67% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC | 275 PROMENADE STREET PROVIDENCE, RI 02908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.43% |
| PGIA, INC.3 Filed as: PGIA INC | 160 GOULD ST STE 122 NEEDHAM HGTS, MA 02494 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 6.53% |
| PROVIDER INSURANCE GROUP, LLC3 Filed as: PROVIDER INSURANCE GROUP LLC | 160 GOULD ST STE 130 NEEDHAM HGTS, MA 02494 | UNITED HEALTHCARE INSURANCE COMPANY | $686 | — | $686 | 2.65% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC | 275 PROMENADE STREET PROVIDENCE, RI 02908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| PGIA, INC DBA PROVIDER INSURANCE3 | 160 GOULD STREET SUITE 122 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $14 | — | $14 | 2.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 9900 BREN ROAD EAST MINNETONKA, MN 55343 | $209K |
| PGIA, INC EIN 83-3712904 BROKER | Other commissions Service code 55 | 160 GOULD STREET SUITE 122 NEEDHAM, MA 02494 | $25K |
| PROVIDER INSURANCE GROUP LLC EIN 27-2005964 BROKER | Other commissions Service code 55 | 160 GOULD STREET SUITE 130 NEEDHAM, MA 02494 | $9K |
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 | 566 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 510 | $547K |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 566 | $208K |
| Vision(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 510 | $573K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $65K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $65K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 510 | $547K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.