| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| W D AND ASSOCIATES3 | 34 HEMINGWAY DRIVE EAST PROVIDENCE, RI 02915 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $7K | $82K | $89K | 2.64% |
| W D AND ASSOCIATES3 Filed as: WD & ASSOCIATES, INC | 34 HEMINGWAY DRIVE EAST PROVIDENCE, RI 02915 | DELTA DENTAL OF RHODE ISLAND | $6K | $0 | $6K | 2.57% |
| THOMAS SOWINSKI3 Filed as: THOMAS SOWINSKI SR | 370 PORTSMOUTH AVENUE GREENLAND, NH 03840 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 8.33% |
| IMG5 | 2960 NORTH MERIDAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $79 | $79 | 0.07% |
| W D AND ASSOCIATES3 Filed as: WD & ASSOCIATES, INC | 34 HEMINGWAY DRIVE EAST PROVIDENCE, RI 02915 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 9.96% |
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 | 617 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 589 | $3.4M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 574 | $245K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 617 | $26K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 481 | $117K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 481 | $117K |
| Other | UNITED BEHAVIORAL HEALTH DBA OPTUM | 454 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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.