| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS | PO BOX 632886 CINCINNATI, OH 45363 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $20K | $42K | $62K | 2.62% |
| PROVIDER INSURANCE GROUP, LLC3 Filed as: PROVIDER INSURANCE GROUP, | 275 PROMENADE STREET SUITE 135 PROVIDENCE, RI 02908 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $13K | $13K | 0.54% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC RI | 376 NEWPORT AVENUE EAST PROVIDENCE, RI 02914 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $11K | $11K | 0.46% |
| JAMIE MORAN3 | 275 PROMENADE STREET SUITE 135 PROVIDENCE, RI 02908 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $8K | $8K | 0.34% |
| PGIA, INC DBA PROVIDER INSURANCE3 Filed as: PGIA INC DBA PROVIDER INSURANCE | 160 GOULD STREET SUITE 122 NEEDHAM, MA 02494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 12.38% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS | PO BOX 632886 CINCINNATI, OH 45363 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 1.21% |
| PGIA, INC.3 Filed as: PGIA INC | 160 GOULD STREET SUITE 130 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 1.07% |
| CROSS INSURANCE3 Filed as: CROSS INS DBA PROVIDER | PO BOX 1388 BANGOR, ME 04402 | DELTA DENTAL OF RHODE ISLAND | $394 | — | $394 | 0.35% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS | PO BOX 632886 CINCINNATI, OH 45363 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 1.21% |
| PGIA, INC.3 Filed as: PGIA INC | 160 GOULD STREET SUITE 130 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 1.04% |
| CROSS INSURANCE3 Filed as: CROSS INS DBA PROVIDER | PO BOX 1388 BANGOR, ME 04402 | DELTA DENTAL OF RHODE ISLAND | $418 | — | $418 | 0.37% |
| PROVIDER INSURANCE GROUP, LLC3 | 275 PROMENADE STREET SUITE 135 PROVIDENCE, RI 02908 | VISION SERVICE PLAN | $1K | — | $1K | 4.84% |
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 | 289 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 507 | $2.4M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 308 | $226K |
| Vision | VISION SERVICE PLAN | 217 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 387 | $138K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 387 | $138K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 387 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.