| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONIZ BENEFITS GROUP, INC.3 | P.O. BOX 549 PROVIDENCE, RI 02901 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $72K | $72K | 0.67% |
| 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 | — | $72K | $72K | 0.67% |
| GENERAL AGENT CENTER INC3 | 3 EARLES WAY SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $3K | $213 | $3K | 7.75% |
| JOHN B GREENBAUM3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.36% |
| REED AND REED INSURANCE AGENCY INC3 | 135 WEST BACON STREET PLAINVILLE, MA 02762 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.42% |
| REGINA FERREIRA3 | 46 DENVER AVENUE CRANSTON, RI 02905 | AFLAC | $2K | $75 | $2K | 6.56% |
| JEFFREY S SOCK3 | 1036 NARRAGANSETT BOULEVARD CRANSTON, RI 02905 | AFLAC | $613 | $15 | $628 | 2.18% |
| WILLIAM H KIRK3 | 110 JEFFERSON BOULEVARD WARWICK, RI 02888 | AFLAC | $225 | $15 | $240 | 0.83% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN COURT CRANSTON, RI 02921 | AFLAC | $206 | — | $206 | 0.72% |
| GARRETT D SOCK3 | 1036 NARRAGANSETT BOULEVARD CRANSTON, RI 02905 | AFLAC | $173 | — | $173 | 0.60% |
| DONNA M CAREY3 | 138 CRANBERRY ROAD NORTH ATTLEBORO, MA 02760 | AFLAC | $103 | — | $103 | 0.36% |
| EDWARD H SPATER3 | PO BOX 351 EAST BROOKFIELD, MA 01515 | AFLAC | $99 | — | $99 | 0.34% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | AFLAC | $63 | — | $63 | 0.22% |
| KEVIN MCCARTHY3 Filed as: KEVIN T MCCARTHY | 197 LAND DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $60 | — | $60 | 0.21% |
| JAMES L HALL II3 | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | AFLAC | $57 | — | $57 | 0.20% |
| ESTA KORNSTEIN3 | 1525 OLD LOUISQUISSET PIKE BUILDING A LINCON, RI 02865 | AFLAC | $35 | — | $35 | 0.12% |
| PAULA G. MURRAY3 Filed as: PAULA G MURRAY | PO BOX 3806 NEWPORT, RI 02840 | AFLAC | $25 | — | $25 | 0.09% |
| RONALD MONIZ3 Filed as: RONALD M MONIZ | 20335 PATRIOT WAY WEST GREENWICH, RI 02817 | AFLAC | $23 | — | $23 | 0.08% |
| ARNOLD I KORNSTEIN3 | 555 DOUGLAS AVENUE PROVIDENCE, RI 02908 | AFLAC | $12 | — | $12 | 0.04% |
| RAMIN BAHAR3 | 29 APRIL LANE NANUET, NY 10954 | AFLAC | $7 | — | $7 | 0.02% |
| BRUCE E BALKCOM3 | 1118 HALL FARM ROAD 58 COVENTRY, RI 02816 | AFLAC | $5 | — | $5 | 0.02% |
| BRUCE E BALKCOM3 | 1118 HILL FARM ROAD COVENTRY, RI 02816 | AFLAC | $5 | — | $5 | 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% |
| KEVIN J RYAN3 | 207 FIELDSTONE LEDYARD, CT 06339 | AFLAC | $3 | — | $3 | 0.01% |
| NATALIE D RYAN3 | 207 FIELDSTONE LEDYARD, CT 06339 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER S AUSTERMANN3 | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN K SCHULE3 | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $1 | — | $1 | 0.00% |
| 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 | 9.90% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | GENWORTH LIFE INSURANCE COMPANY | $391 | — | $391 | 2.20% |
| MICHAEL S VANGAVREE3 Filed as: MICHAEL S VANGAVREE C/O LTC GLOBAL | 6201 PRESIDENTIAL COURT FT MYERS, FL 33919 | GENWORTH LIFE INSURANCE COMPANY | $3K | — | $3K | 70.01% |
| REGINA FERREIRA3 | 46 DENVER AVENUE CRANSTON, RI 02905 | AFLAC | $63 | $24 | $87 | 7.14% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN COURT CRANSTON, RI 02905 | AFLAC | $30 | — | $30 | 2.46% |
| JEFFREY S SOCK3 | 1036 NARRAGANSETT BOULEVARD CRANSTON, RI 02905 | AFLAC | $25 | $5 | $30 | 2.46% |
| WILLIAM H KIRK3 | 110 JEFFERSON BOULEVARD WARWICK, RI 02888 | AFLAC | $13 | $5 | $18 | 1.48% |
| JAMES L HALL II3 | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | AFLAC | $11 | — | $11 | 0.90% |
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 | 976 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 72 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,069 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 779 | $10.8M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 183 | $58K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,006 | $184K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 851 | $34K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 851 | $230K |
| Other(7 contracts, 5 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,006 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,006 | — |
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.