| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PGIA, INC DBA PROVIDER INSURANCE3 | 275 PROMENADE STREET PROVIDENCE, RI 02908 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $56K | $56K | 2.56% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45363 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $13K | $3K | $16K | 0.75% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC RHODE ISLAND | 376 NEWPORT AVENUE EAST PROVIDENCE, RI 02914 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $4K | $0 | $4K | 0.18% |
| PGIA, INC DBA PROVIDER INSURANCE3 | 160 GOULD STREET SUITE 122 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 1.69% |
| PGIA, INC DBA PROVIDER INSURANCE | 160 GOULD STREET SUITE 122 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 1.69% |
| PGIA, INC DBA PROVIDER INSURANCE3 | 160 GOULD STREET SUITE 122 NEEDHAM, MA 02494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| PGIA, INC DBA PROVIDER INSURANCE3 | 160 GOULD STREET SUITE 122 NEEDHAM, MA 02494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| PROVIDER INSURANCE GROUP, LLC3 | 275 PROMENADE STREET SUITE 135 PROVIDENCE, RI 02908 | VSP | $1K | — | $1K | 5.85% |
| PGIA, INC DBA PROVIDER INSURANCE3 | 160 GOULD STREET SUITE 122 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $36 | — | $36 | 1.71% |
| PGIA, INC DBA PROVIDER INSURANCE3 | 160 GOULD STREET SUITE 122 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $10 | — | $10 | 1.70% |
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 | 268 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 470 | $2.2M |
| Dental(4 contracts) | DELTA DENTAL OF RHODE ISLAND | 259 | $233K |
| Vision | VSP | 193 | $23K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 367 | $56K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 367 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 367 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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.