| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONIZ BENEFITS GROUP, INC.3 | PO BOX 549 PROVIDENCE, RI 02901 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $75K | $75K | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF MASS | 50 BRAINTREE HILL OFFICE SUITE 310 BRAINTREE, MA 02184 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $75K | $75K | 0.72% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02901 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $250 | — | $250 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 1.32% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 1.32% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $984 | — | $984 | 1.32% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $860 | — | $860 | 1.32% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $788 | — | $788 | 1.32% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $676 | — | $676 | 1.32% |
| JOHN B GREENBAUM3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.16% |
| GENERAL AGENT CENTER INC3 | 3 EARLES WAY SCARBOROUGH, MA 04074 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.84% |
| REED AND REED INSURANCE AGENCY INC3 | 135 WEST BACON STREET PLAINVILLE, MA 02762 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.12% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $410 | — | $410 | 1.32% |
| REGINA FERREIRA3 | 46 DENVER AVENUE CRANSTON, RI 02905 | AFLAC | $5K | $414 | $6K | 18.59% |
| JEFFREY S SOCK3 | 1036 NARRAGANSETT BOULEVARD CRANSTON, RI 02905 | AFLAC | $1K | $83 | $1K | 4.56% |
| WILLIAM H KIRK3 | 110 JEFFERSON BOULEVARD WARWICK, RI 02888 | AFLAC | $780 | $83 | $863 | 2.80% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN COURT CRANSTON, RI 02921 | AFLAC | $211 | — | $211 | 0.68% |
| GARRETT D SOCK3 | 1036 NARRAGANSETT BOULEVARD CRANSTON, RI 02905 | AFLAC | $180 | — | $180 | 0.58% |
| EDWARD H SPATER3 | PO BOX 351 EAST BROOKFIELD, MA 01515 | AFLAC | $106 | — | $106 | 0.34% |
| DONNA M CAREY3 | 138 CRANBERRY ROAD NORTH ATTLEBORO, MA 02760 | AFLAC | $103 | — | $103 | 0.33% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | AFLAC | $72 | — | $72 | 0.23% |
| JAMES L HALL II3 | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | AFLAC | $58 | — | $58 | 0.19% |
| ESTA KORNSTEIN3 | 1525 OLD LOUISQUISSET PIKE BUILDING A LINCOLN, RI 02865 | AFLAC | $35 | — | $35 | 0.11% |
| GERARD A CHARBONNEAU3 | 168 EDMOND DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $29 | — | $29 | 0.09% |
| PAULA G. MURRAY3 Filed as: PAULA G MURRAY | PO BOX 3806 NEWPORT, RI 02840 | AFLAC | $25 | — | $25 | 0.08% |
| RONALD MONIZ3 Filed as: RONALD M MONIZ | 20335 PATRIOT WAY WEST GREENWICH, RI 02817 | AFLAC | $23 | — | $23 | 0.07% |
| ARNOLD I KORNSTEIN3 | 555 DOUGLAS AVENUE PROVIDENCE, RI 02908 | AFLAC | $12 | — | $12 | 0.04% |
| BRUCE E BALKCOM3 | 1118 HILL FARM ROAD 58 COVENTRY, RI 02816 | AFLAC | $10 | — | $10 | 0.03% |
| KEVIN MCCARTHY3 Filed as: KEVIN T MCCARTHY | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $7 | — | $7 | 0.02% |
| RAMIN BAHAR3 | 29 APRIL LANE NANUET, NY 10954 | AFLAC | $6 | — | $6 | 0.02% |
| RICHARD J O'BRIEN III3 | 524 WICKHAM ROAD NORTH KINGSTOWN, RI 02852 | AFLAC | $4 | — | $4 | 0.01% |
| MARK S TAGLIAFERRI3 | 4 LEIGHAS LANE COVENTRY, RI 02816 | AFLAC | $4 | — | $4 | 0.01% |
| NATALIE D RYAN3 | 207 FIELDSTONE LEDYARD, CT 06339 | AFLAC | $3 | — | $3 | 0.01% |
| KEVIN J RYAN3 | 207 FIELDSTONE LEDYARD, CT 06339 | AFLAC | $2 | — | $2 | 0.01% |
| ELIZABETH A LOWNEY3 | 2624 ALAMEDA DRIVE VIRGINIA BEACH, VA 23456 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN RATLIFF3 | 100 EDGEWOOD PLACE DICKSON, TN 37055 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER S AUSTERMANN3 | 148 EASTERN BOULEVARD GLASTONBURY, TN 06033 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN K SCHULE3 | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $1 | — | $1 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $344 | — | $344 | 1.32% |
| 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 | 8.88% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | GENWORTH LIFE INSURANCE COMPANY | $402 | — | $402 | 1.97% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $196 | — | $196 | 1.32% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $49 | — | $49 | 1.31% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $23 | — | $23 | 1.31% |
| REGINA FERREIRA3 | 46 DENVER AVENUE CRANSTON, RI 02905 | AFLAC | $316 | — | $316 | 25.20% |
| JEFFREY S SOCK3 | 1036 NARRAGANSETT BOULEVARD CRANSTON, RI 02905 | AFLAC | $70 | — | $70 | 5.58% |
| WILLIAM H KIRK3 | 110 JEFFERSON BOULEVARD WARWICK, RI 02888 | AFLAC | $46 | — | $46 | 3.67% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN COURT CRANSTON, RI 02921 | AFLAC | $32 | — | $32 | 2.55% |
| JAMES L HALL II3 | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | AFLAC | $12 | — | $12 | 0.96% |
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 | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 40 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 781 | $10.3M |
| Dental(11 contracts) | DELTA DENTAL OF RHODE ISLAND | 559 | $782K |
| Vision(2 contracts, 2 carriers) | AFLAC | 135 | $51K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 995 | $133K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 871 | $27K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 871 | $189K |
| Other(7 contracts, 6 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 995 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 995 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.