| 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 | $4K | $66K | $70K | 0.64% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES - MONIZ | — | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $66K | $66K | 0.61% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHELPLEY INC | — | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $9K | — | $9K | 0.08% |
| GENERAL AGENT CENTER INC3 | 3 EARLES WAY SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $691 | — | $691 | 2.18% |
| GREENBAUM, JOHN B3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $277 | — | $277 | 0.88% |
| REED AND REED INSURANCE AGENCY INC3 | 135 WEST BACON STREET PLAINVILLE, MA 02762 | STANDARD INSURANCE COMPANY | $257 | — | $257 | 0.81% |
| REGINA FERREIRA3 | 46 DENVER AVENUE CRANSTON, RI 02905 | AFLAC | $1K | $15 | $1K | 4.90% |
| JEFFREY S SOCK3 | 120 BECKWITH STREET CRANSTON, RI 02910 | AFLAC | $485 | $4 | $489 | 2.06% |
| WILLIAM H KIRK3 | 110 JEFFERSON BOULEVARD WARWICK, RI 02888 | AFLAC | $177 | — | $177 | 0.74% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN COURT CRANSTON, RI 02921 | AFLAC | $144 | — | $144 | 0.61% |
| GARRETT D SOCK3 | 1036 NARRAGANSETT BOULEVARD CRANSTON, RI 02905 | AFLAC | $129 | — | $129 | 0.54% |
| DONNA M CAREY3 | 138 CRANBERRY ROAD NORTH ATTLEBORO, MA 02760 | AFLAC | $99 | — | $99 | 0.42% |
| EDWARD H SPATER3 | PO BOX 351 EAST BROOKFIELD, MA 01515 | AFLAC | $64 | — | $64 | 0.27% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | AFLAC | $43 | — | $43 | 0.18% |
| JAMES L HALL II3 | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | AFLAC | $41 | — | $41 | 0.17% |
| ESTA KORNSTEIN3 | 120 RAY AVENUE WOONSOCKET, RI 02895 | AFLAC | $36 | — | $36 | 0.15% |
| KEVIN MCCARTHY3 Filed as: KEVIN T MCCARTHY | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $31 | $4 | $35 | 0.15% |
| PAULA G. MURRAY3 Filed as: PAULA G MURRAY | PO BOX 3806 NEWPORT, RI 02840 | AFLAC | $27 | — | $27 | 0.11% |
| BRUCE E BALKCOM3 | 1118 HILL FARM ROAD COVENTRY, RI 02816 | AFLAC | $20 | — | $20 | 0.08% |
| RONALD MONIZ3 Filed as: RONALD M MONIZ | 3909 SANTA CLARA LANE NORTH FORT MYERS, FL 33903 | AFLAC | $18 | — | $18 | 0.08% |
| ARNOLD I KORNSTEIN3 | 555 DOUGLAS AVENUE PROVIDENCE, RI 02908 | AFLAC | $13 | — | $13 | 0.05% |
| RAMIN BAHAR3 | 4452 BANNOCK CIRCLE WILMINGTON, NC 28409 | AFLAC | $5 | — | $5 | 0.02% |
| RICHARD J O'BRIEN III3 | 62 SEAWYNDS DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $3 | — | $3 | 0.01% |
| KEVIN J RYAN3 | 9 DUPONT LANE NORWICH, CT 06360 | AFLAC | $3 | — | $3 | 0.01% |
| MARK S TAGLIAFERRI3 | 4 LEIGHAS LANE COVENTRY, RI 02816 | AFLAC | $3 | — | $3 | 0.01% |
| NATALIE D RYAN3 | 9 DUPONT 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% |
| 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 | 9.15% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | GENWORTH LIFE INSURANCE COMPANY | $342 | — | $342 | 2.03% |
| MICHAEL S VANGAVREE3 Filed as: MICHAEL S VANGAVREE C/O LTC GLOBAL | 6201 PRESIDENTIAL COURT FT MYERS, FL 33919 | GENWORTH LIFE INSURANCE COMPANY | $747 | — | $747 | 11.87% |
| REGINA FERREIRA3 | 46 DENVER AVENUE CRANSTON, RI 02905 | AFLAC | $745 | $49 | $794 | 15.65% |
| JEFFREY S SOCK3 | 120 BECKWITH STREET CRANSTON, RI 02910 | AFLAC | $234 | $12 | $246 | 4.85% |
| KEVIN R MCINERNEY3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $83 | — | $83 | 1.64% |
| KEVIN MCCARTHY3 Filed as: KEVIN T MCCARTHY | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $44 | $12 | $56 | 1.10% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN COURT CRANSTON, RI 02921 | AFLAC | $33 | — | $33 | 0.65% |
| JAMES L HALL II3 | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | AFLAC | $12 | — | $12 | 0.24% |
| WILLIAM H KIRK3 | 110 JEFFERSON BOULEVARD WARWICK, RI 02888 | AFLAC | $10 | — | $10 | 0.20% |
| INC, MCELVEEN INS SERVICES3 | 5819 BENNINGTON AVENUE BATON ROUGE, LA 70808 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $40 | — | $40 | 3.20% |
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 | 855 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 894 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 686 | $10.9M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 258 | $68K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 961 | $172K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 817 | $39K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 817 | $217K |
| Other(7 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 961 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 961 | — |
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.