| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PGIA, INC DBA PROVIDER INSURANCE3 Filed as: PGIA INC DBA PROVIDER INSURANCE | P.O. BOX 1388 BANGOR, ME 04402 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $6K | $44K | $50K | 2.40% |
| PGIA, INC DBA PROVIDER INSURANCE3 Filed as: PGIA INC DBA PROVIDER INSURANCE | 160 GOULD STREET SUITE 122 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 1.81% |
| PGIA, INC DBA PROVIDER INSURANCE3 Filed as: PGIA INC DBA PROVIDER INSURANCE | 160 GOULD STREET SUITE 122 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 1.81% |
| PGIA, INC.3 Filed as: PGIA, INC | 160 GOULD STREET SUITE 122 NEEDHAM HEIGHTS, MA 02494 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.95% |
| PGIA, INC.3 Filed as: PGIA, INC | 160 GOULD STREET SUITE 122 NEEDHAM HEIGHTS, MA 02494 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.19% |
| PGIA, INC.3 Filed as: PGIA, INC | P.O. BOX 1388 BANGOR, ME 04402 | VISION SERVICE PLAN | $555 | — | $555 | 3.92% |
| PGIA, INC.3 Filed as: PGIA, INC | PO BOX 1388 BANGOR, ME 04402 | VISION SERVICE PLAN | $373 | — | $373 | 3.56% |
| PGIA, INC.3 Filed as: PGIA, INC | 160 GOULD STREET SUITE 122 NEEDHAM HEIGHTS, MA 02494 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| PGIA, INC DBA PROVIDER INSURANCE3 Filed as: PGIA INC DBA PROVIDER INSURANCE | 160 GOULD STREET SUITE 122 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $5 | — | $5 | 1.75% |
| PGIA, INC DBA PROVIDER INSURANCE3 Filed as: PGIA INC DBA PROVIDER INSURANCE | 160 GOULD STREET SUITE 122 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $3 | — | $3 | 2.10% |
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 | 223 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 365 | $2.1M |
| Dental(4 contracts) | DELTA DENTAL OF RHODE ISLAND | 196 | $173K |
| Vision(2 contracts) | VISION SERVICE PLAN | 97 | $25K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 344 | $41K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 343 | $46K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 46 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.