| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | — | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $8K | $68K | $76K | 0.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF MASS | — | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $4K | $68K | $71K | 0.65% |
| GENERAL AGENT CENTER INC3 | 3 EARLES WAY SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $786 | — | $786 | 2.01% |
| JOHN B GREENBAUM3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $293 | — | $293 | 0.75% |
| REED AND REED INSURANCE AGENCY INC3 | 135 WEST BACON STREET PLAINVILLE, MA 02762 | STANDARD INSURANCE COMPANY | $274 | — | $274 | 0.70% |
| REGINA FERREIRA3 | 46 DENVER AVENUE CRANSTON, RI 02905 | AFLAC | $2K | — | $2K | 5.87% |
| JEFFREY S SOCK3 | 120 BECKWITH STREET CRANSTON, RI 02910 | AFLAC | $541 | — | $541 | 2.10% |
| WILLIAM H KIRK3 | 110 JEFFERSON BOULEVARD WARWICK, RI 02888 | AFLAC | $191 | — | $191 | 0.74% |
| GARRETT D SOCK3 | 1036 NARRAGANSETT BOULEVARD CRANSTON, RI 02905 | AFLAC | $150 | — | $150 | 0.58% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN COURT CRANSTON, RI 02921 | AFLAC | $148 | — | $148 | 0.57% |
| DONNA M CAREY3 | 138 CRANBERRY ROAD NORTH ATTLEBORO, MA 02760 | AFLAC | $99 | — | $99 | 0.38% |
| EDWARD H SPATER3 | PO BOX 351 EAST BROOKFIELD, MA 01515 | AFLAC | $64 | — | $64 | 0.25% |
| KEVIN MCCARTHY3 Filed as: KEVIN T MCCARTHY | 197 LANG DRIVE NORT KINGSTOWN, RI 02852 | AFLAC | $61 | — | $61 | 0.24% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | AFLAC | $43 | — | $43 | 0.17% |
| JAMES L HALL II3 | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | AFLAC | $41 | — | $41 | 0.16% |
| ESTA KORNSTEIN3 | 120 RAY AVENUE WOONSOCKET, RI 02895 | AFLAC | $36 | — | $36 | 0.14% |
| PAULA G. MURRAY3 Filed as: PAULA G MURRAY | PO BOX 3806 NEWPORT, RI 02840 | AFLAC | $27 | — | $27 | 0.10% |
| RONALD MONIZ3 Filed as: RONALD M MONIZ | 3909 SANTA CLARA LANE NORTH FORT MYERS, FL 33903 | AFLAC | $25 | — | $25 | 0.10% |
| ARNOLD I KORNSTEIN3 | 555 DOUGLAS AVENUE PROVIDENCE, RI 02908 | AFLAC | $13 | — | $13 | 0.05% |
| BRUCE E BALKCOM3 | 1118 HILL FARM ROAD COVENTRY, RI 02816 | AFLAC | $11 | — | $11 | 0.04% |
| RAMIN BAHAR3 | 4452 BANNOCK CIRCLE WILMINGTON, NC 28409 | 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 | 0.02% |
| KEVIN J RYAN3 | 290 LAURA BOULEVARD NORWICH, CT 06360 | AFLAC | $3 | — | $3 | 0.01% |
| NATALIE D RYAN3 | 290 LAURA BOULEVARD 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% |
| 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 | 9.07% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | GENWORTH LIFE INSURANCE COMPANY | $366 | — | $366 | 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 | $782 | — | $782 | 11.66% |
| REGINA FERREIRA3 | 46 DENVER AVENUE CRANSTON, RI 02905 | AFLAC | $760 | $15 | $775 | 21.06% |
| JEFFREY S SOCK3 | 120 BECKWITH STREET CRANSTON, RI 02910 | AFLAC | $209 | $3 | $212 | 5.76% |
| KEVIN MCCARTHY3 Filed as: KEVIN T MCCARTHY | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $118 | $3 | $121 | 3.29% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN COURT CRANSTON, RI 02921 | AFLAC | $33 | — | $33 | 0.90% |
| JAMES L HALL II3 | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | AFLAC | $12 | — | $12 | 0.33% |
| WILLIAM H KIRK3 | 110 JEFFERSON BOULEVARD WARWICK, RI 02888 | AFLAC | $10 | — | $10 | 0.27% |
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 | 862 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 694 | $11.0M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 231 | $64K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 952 | $151K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 817 | $35K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 817 | $204K |
| Other(7 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 952 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 952 | — |
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.