| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF MASS | 50 BRAINTREE HILL OFFICE PARK #310 BRAINTREE, MA 02184 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $12K | $66K | $78K | 0.77% |
| MONIZ BENEFITS GROUP, INC.3 | P.O. BOX 549 PROVIDENCE, RI 02901 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $12K | $58K | $70K | 0.69% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AD SHEPLEY INC | P.O. BOX 549 PROVIDENCE, RI 02901 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $13K | $9K | $21K | 0.21% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BLVD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $10K | — | $10K | 1.37% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | GUARDIAN | — | $12K | $12K | 3.08% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BLVD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $5K | — | $5K | 1.35% |
| GENERAL AGENT CENTER INC3 | 3 EARLES WAY SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.59% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.01% |
| REED AND REED INSURANCE AGENCY INC3 | 135 W BACON ST PLAINVILLE, MA 02762 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.91% |
| REGINA FERREIRA3 | 46 DENVER AVE CRANSTON, RI 02905 | AFLAC | $3K | $43 | $3K | 15.29% |
| JEFFREY S SOCK3 Filed as: JEFFREY SOCK | 1036 NARRAGANSETT BLVD CRANSTON, RI 02905 | AFLAC | $749 | $9 | $758 | 3.35% |
| WILLIAM H KIRK3 Filed as: WILLIAM KIRK | 110 JEFFERSON BLVD WARWICK, RI 02888 | AFLAC | $457 | $9 | $466 | 2.06% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN CT CRANSTON, RI 02921 | AFLAC | $231 | — | $231 | 1.02% |
| GARRETT D SOCK3 Filed as: GARRETT SOCK | 1036 NARRAGANSETT BLVD CRANSTON, RI 02905 | AFLAC | $182 | — | $182 | 0.80% |
| EDWARD H SPATER3 Filed as: EDWARD SPATER | PO BOX 351 EAST BROOKFIELD, MA 01515 | AFLAC | $121 | — | $121 | 0.53% |
| DONNA M CAREY3 Filed as: DONNA CAREY | 138 CRANBERRY RD NORTH ATTLEBORO, MA 02760 | AFLAC | $103 | — | $103 | 0.46% |
| AFFINITY LTC, LLC3 Filed as: AFFINITY LTC, LLC C/O LTC GLOBAL | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | GENWORTH LIFE INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | GENWORTH LIFE INSURANCE COMPANY | $413 | — | $413 | 2.00% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN CT CRANSTON, RI 02921 | AFLAC | $57 | — | $57 | 6.83% |
| JAMES L HALL II3 Filed as: JAMES HALL II | 181 E 5600 S STE 240 SALT LAKE CITY, UT 84107 | AFLAC | $21 | — | $21 | 2.52% |
| JAMES R HILL JR3 Filed as: JAMES HILL JR | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $3 | — | $3 | 0.36% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | AFLAC | $88 | — | $88 | — |
| JAMES L HALL II3 Filed as: JAMES HALL II | 181 E 5600 S STE 240 SALT LAKE CITY, UT 84107 | AFLAC | $67 | — | $67 | — |
| GERARD A CHARBONNEAU3 Filed as: GERARD CHARBONNEAU | 168 EDMOND DR NORTH KINGSTOWN, RI 02852 | AFLAC | $52 | — | $52 | — |
| BONNIE BISIGNANO3 | 17 IMPERIAL AVE CRANSTON, RI 02920 | AFLAC | $50 | — | $50 | — |
| ESTA KORNSTEIN3 | 1525 OLD LOUISQUISSET PIKE LINCOLN, RI 02865 | AFLAC | $40 | — | $40 | — |
| PAULA G. MURRAY3 Filed as: PAULA MURRAY | PO BOX 3806 NEWPORT, RI 02840 | AFLAC | $25 | — | $25 | — |
| RONALD MONIZ3 | 82 OAK CREST DRIVE RIVERSIDE, RI 02915 | AFLAC | $23 | — | $23 | — |
| ELIZABETH A LOWNEY3 Filed as: ELIZABETH LOWNEY | 2624 ALAMEDA DR VIRGINIA BEACH, VA 23456 | AFLAC | $12 | — | $12 | — |
| ARNOLD I KORNSTEIN3 Filed as: ARNOLD KORNSTEIN | 555 DOUGLAS AVE PROVIDENCE, RI 02908 | AFLAC | $12 | — | $12 | — |
| JAMES R HILL JR3 Filed as: JAMES HILL | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $11 | — | $11 | — |
| BRUCE E BALKCOM3 Filed as: BRUCE BALKCOM | 1118 HILL FARM RD 58 COVENTRY, RI 02816 | AFLAC | $10 | — | $10 | — |
| JOHN RATLIFF3 | 100 EDGEWOOD PL DICKSON, TN 37055 | AFLAC | $9 | — | $9 | — |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $7 | — | $7 | — |
| RAMIN BAHAR3 | 29 APRIL LN NANUET, NY 10954 | AFLAC | $7 | — | $7 | — |
| RICHARD J O'BRIEN III3 Filed as: RICHARD O'BRIEN | 524 WICKHAM RD NORTH KINGSTOWN, MA 02852 | AFLAC | $4 | — | $4 | — |
| MARK S TAGLIAFERRI3 Filed as: MARK TAGLIAFERRI | 4 LEIGHAS LN COVENTRY, RI 02816 | AFLAC | $4 | — | $4 | — |
| KEVIN J RYAN3 Filed as: KEVIN RYAN | 207 FIELDSTONE LANE LEDYARD, CT 06339 | AFLAC | $2 | — | $2 | — |
| NATALIE D RYAN3 Filed as: NATALIE RYAN | 2038 LAKE MARIE BLVD APT 4304 COLUMBIA, SC 29212 | AFLAC | $2 | — | $2 | — |
| NATALIE D RYAN3 Filed as: NATALIE RYAN | 207 FIELDSTONE LEDYARD, CT 06339 | AFLAC | $1 | — | $1 | — |
| MICHAEL REYES3 | 185 PLAINS RD STE 200E MILFORD, CT 06461 | AFLAC | $1 | — | $1 | — |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER AUSTERMANN | 148 EASTERN BLVD GLASTONBURY, CT 06033 | AFLAC | $1 | — | $1 | — |
| JOHN K SCHULE3 Filed as: JOHN SCHULE | 102 BLACKWOOD LN STAMFORD, CT 06903 | AFLAC | $1 | — | $1 | — |
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 | 877 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 90 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,004 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,883 | $10.2M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 1,896 | $1.1M |
| Vision(7 contracts, 2 carriers) | AFLAC | 100 | $38K |
| Life insurance | GUARDIAN | 877 | $395K |
| Short-term disability(7 contracts, 2 carriers) | GUARDIAN | 877 | $418K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 877 | $437K |
| Other(9 contracts, 4 carriers) | GUARDIAN | 877 | $439K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,896 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.