| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES OF RI INC | 475 KILVERT STREET WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $90K | $90K | 2.12% |
| W D AND ASSOCIATES3 | 34 HEMINGWAY DRIVE EAST PROVIDENCE, RI 02915 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $11K | $325 | $12K | 0.28% |
| W D AND ASSOCIATES3 Filed as: WD & ASSOCIATES, INC | 34 HEMINGWAY DRIVE EAST PROVIDENCE, RI 02915 | DELTA DENTAL OF RHODE ISLAND | $7K | $0 | $7K | 2.03% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICE | 501 OFFICE CENTER DRIVE, STE 215 FORT WASHINGTON, PA 19034 | DELTA DENTAL OF RHODE ISLAND | $529 | $0 | $529 | 0.17% |
| THOMAS SOWINSKI3 Filed as: THOMAS SOWINSKI SR | 370 PORTSMOUTH AVENUE GREENLAND, NH 03840 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 7.30% |
| IMG5 | 2960 NORTH MERIDAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $103 | $103 | 0.07% |
| W D AND ASSOCIATES3 Filed as: WD & ASSOCIATES A DIV OF PGIS LLC | 34 HEMINGWAY DRIVE EAST PROVIDENCE, RI 02915 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 6.19% |
| W D AND ASSOCIATES3 Filed as: WD & ASSOCIATES, INC | 34 HEMINGWAY DRIVE EAST PROVIDENCE, RI 02915 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 3.81% |
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 | 845 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 715 | $4.2M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 777 | $320K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 845 | $35K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 582 | $142K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 582 | $142K |
| Other | UNITED BEHAVIORAL HEALTH DBA OPTUM | 579 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 845 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.