| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF MASS | — | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $70K | $70K | 0.64% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | — | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $64K | $64K | 0.58% |
| MONIZ BENEFITS GROUP, INC.3 | — | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $6K | $6K | 0.06% |
| GENERAL AGENT CENTER INC3 | 3 EARLES WAY SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.56% |
| JOHN B GREENBAUM3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.52% |
| REED AND REED INSURANCE AGENCY INC3 | 135 WEST BACON STREET PLAINVILLE, MA 02762 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.15% |
| REGINA FERREIRA3 | 46 DENVER AVENUE CRANSTON, RI 02905 | AFLAC | $2K | $34 | $2K | 5.30% |
| JEFFREY S SOCK3 | 120 BECKWITH STREET CRANSTON, RI 02910 | AFLAC | $503 | $7 | $510 | 1.64% |
| WILLIAM H KIRK3 | 110 JEFFERSON BOULEVARD WARWICK, RI 02888 | AFLAC | $236 | — | $236 | 0.76% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN COURT CRANSTON, RI 02921 | AFLAC | $203 | — | $203 | 0.65% |
| GARRETT D SOCK3 | 1036 NARRAGANSETT BOULEVARD CRANSTON, RI 02905 | AFLAC | $183 | — | $183 | 0.59% |
| DONNA M CAREY3 | 138 CRANBERRY ROAD NORTH ATTLEBORO, MA 02760 | AFLAC | $115 | — | $115 | 0.37% |
| EDWARD H SPATER3 | PO BOX 351 EAST BROOKFIELD, MA 01515 | AFLAC | $106 | — | $106 | 0.34% |
| JEFFREY S SOCK3 | 1036 NARRAGANSETT BOULEVARD CRANSTON, RI 02905 | AFLAC | $95 | — | $95 | 0.30% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | AFLAC | $67 | — | $67 | 0.22% |
| JAMES L HALL II3 | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | AFLAC | $55 | — | $55 | 0.18% |
| ESTA KORNSTEIN3 | 120 RAY AVENUE WOONSOCKET, RI 02895 | AFLAC | $40 | — | $40 | 0.13% |
| KEVIN MCCARTHY3 Filed as: KEVIN T MCCARTHY | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $33 | $7 | $40 | 0.13% |
| PAULA G. MURRAY3 Filed as: PAULA G MURRAY | PO BOX 3806 NEWPORT, RI 02840 | AFLAC | $30 | — | $30 | 0.10% |
| RONALD MONIZ3 Filed as: RONALD M MONIZ | 3909 SANTA CLARA LANE NORTH FORT MYERS, FL 33903 | AFLAC | $27 | — | $27 | 0.09% |
| ARNOLD I KORNSTEIN3 | 555 DOUGLAS AVENUE PROVIDENCE, RI 02908 | AFLAC | $14 | — | $14 | 0.04% |
| BRUCE E BALKCOM3 | 1118 HALL FARM ROAD COVENTRY, RI 02816 | AFLAC | $12 | — | $12 | 0.04% |
| RAMIN BAHAR3 | 29 APRIL LANE NANUET, NY 10954 | AFLAC | $6 | — | $6 | 0.02% |
| RICHARD J O'BRIEN III3 | 62 SEAWYNDS DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $5 | — | $5 | 0.02% |
| MARK S TAGLIAFERRI3 | 4 LEIGHAS LANE COVENTRY, RI 02816 | AFLAC | $4 | — | $4 | 0.01% |
| KEVIN J RYAN3 | 103 RIVER VIEW LANE NORWICH, CT 06360 | AFLAC | $3 | — | $3 | 0.01% |
| NATALIE D RYAN3 | 103 RIVER VIEW LANE NORWICH, CT 06360 | 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, CT 06033 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN K SCHULE3 | 102 BLACKWOOD LANE STAMFORD, CT 06903 | AFLAC | $1 | — | $1 | 0.00% |
| NATALIE D RYAN3 | 207 FIELDSTONE LEDYARD, CT 06339 | 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 | 8.40% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | GENWORTH LIFE INSURANCE COMPANY | $375 | — | $375 | 1.87% |
| MICHAEL S VANGAVREE3 Filed as: MICHAEL S VANGAVREE C/O LTC GLOBAL | 6201 PRESIDENTIAL COURT FT MYERS, FL 33919 | GENWORTH LIFE INSURANCE COMPANY | $5K | — | $5K | 45.91% |
| REGINA FERREIRA3 | 46 DENVER AVENUE CRANSTON, RI 02905 | AFLAC | $275 | — | $275 | 13.98% |
| JEFFREY S SOCK3 | 120 BECKWITH STREET CRANSTON, RI 02910 | AFLAC | $81 | — | $81 | 4.12% |
| KEVIN MCCARTHY3 Filed as: KEVIN T MCCARTHY | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $38 | — | $38 | 1.93% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN COURT CRANSTON, RI 02921 | AFLAC | $35 | — | $35 | 1.78% |
| JAMES L HALL II3 | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | AFLAC | $13 | — | $13 | 0.66% |
| WILLIAM H KIRK3 | 110 JEFFERSON BOULEVARD WARWICK, RI 02888 | AFLAC | $11 | — | $11 | 0.56% |
| JEFFREY S SOCK3 | 1036 NARRAGANSETT BOULEVARD CRANSTON, RI 02905 | AFLAC | $4 | — | $4 | 0.20% |
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 | 905 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 939 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 726 | $10.9M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 200 | $63K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 970 | $169K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 814 | $31K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 814 | $225K |
| Other(7 contracts, 5 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 970 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 970 | — |
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.