| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVIDER INSURANCE GROUP, LLC3 Filed as: PROVIDER INSURANCE GROUP | 275 PROMENADE STREET, SUITE 135 PROVIDENCE, RI 02908 | DELTA DENTAL OF RHODE ISLAND | $6K | $0 | $6K | 2.60% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 275 PROMENADE STREET, SUITE 135 PROVIDENCE, RI 02908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 8.46% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | PO BOX 1388 BANGOR, ME 04402 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 14.23% |
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF RHODE ISLAND | 542 | $227K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 392 | $108K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 392 | $108K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 392 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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."
No prospect flags tripped on this filing.