| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF MASS | 50 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 02184 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $65K | $65K | 0.55% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES - MONIZ | 60 CATAMORE BLVD EAST PROVIDENCE, RI 02914 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $65K | $65K | 0.55% |
| GENERAL AGENT CENTER INC3 | 3 EARLES WAY SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $614 | $0 | $614 | 2.14% |
| GREENBAUM, JOHN B3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $271 | $0 | $271 | 0.95% |
| REED AND REED INSURANCE AGENCY INC3 | 135 WEST BACON STREET PLAINVILLE, MA 02762 | STANDARD INSURANCE COMPANY | $228 | $0 | $228 | 0.80% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | LIST ATTACHED CRANSTON, RI 02905 | AFLAC | $3K | $0 | $3K | 13.36% |
| AFFINITY LTC, LLC3 Filed as: AFFINITY LTC, LLC C/O LTC GLOBAL | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | GENWORTH LIFE INSURANCE COMPANY | $927 | $0 | $927 | 5.23% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | GENWORTH LIFE INSURANCE COMPANY | $355 | $0 | $355 | 2.00% |
| MICHAEL S VANGAVREE3 Filed as: MICHAEL S VANGAVREE C/O LTC GLOBAL | 6201 PRESIDENTIAL COURT FT MYERS, FL 33919 | GENWORTH LIFE INSURANCE COMPANY | $756 | $0 | $756 | 12.01% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | LIST ATTACHED CRANSTON, RI 02905 | AFLAC | $408 | $52 | $460 | 12.87% |
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 | 893 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 912 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,524 | $11.8M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 288 | $68K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 959 | $191K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 830 | $44K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 830 | $239K |
| Other(7 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 959 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,524 | — |
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.