| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 475 KILVERT STRET WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $7K | $38K | $45K | 2.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 5700 POST ROAD EAST GREENWICH, RI 02818 | DELTA DENTAL OF RHODE ISLAND | $5K | — | $5K | 3.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 475 KILVERT STREET, BUILDING B SUITE 205 WARWICK, RI 02886 | VISION SERVICE PLAN | $1K | — | $1K | 4.86% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 10.59% |
| USI INSURANCE SERVICES LLC5 Filed as: USI INSURANCE SERVICES, LLC | 5700 POST ROAD EAST GREENWICH, RI 02818 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $717 | — | $717 | 5.88% |
| BROKERNET INC5 Filed as: BROKERNET | 100 METRO CENTER BOULEVARD WARWICK, RI 02886 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $143 | — | $143 | 1.17% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 337 | $1.7M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 333 | $155K |
| Vision | VISION SERVICE PLAN | 147 | $27K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 337 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.