| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| W D AND ASSOCIATES3 Filed as: WD & ASSOCIATES INC | 34 HEMMINGWAY DR RIVERSIDE, RI 02915 | UNITED HEALTH CARE INSURANCE COMPANY | $6K | $70K | $76K | 2.02% |
| WILLIAM M DELMAGE3 Filed as: WILLIAM DELMAGE | 34 HEMINGWAY DR RIVERSIDE, RI 02915 | UNITED HEALTH CARE INSURANCE COMPANY | — | $52 | $52 | 0.00% |
| THOMAS SOWINSKI3 | 370 PORTSMOUTH AVE GREENLAND, NH 03840 | PRUDENTIAL | $9K | — | $9K | 8.09% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $176 | $176 | 0.15% |
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 | 759 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE INSURANCE COMPANY | 759 | $3.8M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 708 | $294K |
| Life insurance | PRUDENTIAL | 666 | $116K |
| Long-term disability | PRUDENTIAL | 666 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 759 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.