| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF MASS | 115 FEDERAL ST 8TH FL BOSTON, MA 02184 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $4K | $64K | $68K | 0.52% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES - MONIZ | 60 CATAMORE BLVD EAST PROVIDENCE, RI 02914 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $64K | $64K | 0.50% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY | PO BOX 549 PROVIDENCE, RI 02914 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $7K | $0 | $7K | 0.06% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - (SEE ATTACHED) | — | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 6.19% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | LIST ATTACHED CRANSTON, RI 02905 | AFLAC | $2K | $59 | $2K | 11.64% |
| AFFINITY LTC, LLC3 Filed as: AFFINITY LTC, LLC C/O LTC GLOBAL | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | GENWORTH LIFE INSURANCE COMPANY | $349 | $0 | $349 | 2.01% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | GENWORTH LIFE INSURANCE COMPANY | $349 | $0 | $349 | 2.01% |
| MICHAEL S VANGAVREE3 Filed as: MICHAEL S VANGAVREE C/O LTC GLOBAL | 6201 PRESIDENTIAL COURT FT MYERS, FL 33919 | GENWORTH LIFE INSURANCE COMPANY | $5K | $0 | $5K | 37.32% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | LIST ATTACHED CRANSTON, RI 02905 | AFLAC | $277 | $0 | $277 | 10.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ARTHUR J. GALLAGER RISK MANAGEMENT | 500 VICTORY RD QUINCY, MA 02171 | ZURICH AMERICAN INSURANCE COMPANY | $500 | $0 | $500 | 25.00% |
| MCELVEEN INS SERVICES3 | 5819 BENNINGTON AVE BATON ROUGE, LA 70808 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $42 | $0 | $42 | 3.22% |
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 | 840 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 871 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,440 | $12.9M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 302 | $68K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 931 | $182K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 809 | $41K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 809 | $228K |
| Other(8 contracts, 6 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 931 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,440 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.