| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $7K | $28K | 13.35% |
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 12.81% |
| REGINA FERREIRA3 | 46 DENVER AVENUE CRANSTON, RI 02905 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 7.56% |
| JEFFREY S SOCK3 | 120 BECKWITH STREET CRANSTON, RI 02910 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.98% |
| KEVIN R MCINERNEY3 | 14 STILLMAN LANE PLEASANTVILE, NY 10570 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.78% |
| KEVIN MCCARTHY3 Filed as: KEVIN THOMAS MCCARTHY | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $320 | $0 | $320 | 0.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $5K | $0 | $5K | 8.94% |
| J KINGS INSURANCE INC3 | UNKNOWN EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $788 | $2K | 10.05% |
| ALEXANDER JEFFREY SEUBERT3 | 480 ATLANTIC AVENUE WARWICK, RI 02888 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $712 | $29 | $741 | 3.36% |
| MICHAEL R ACKERMAN3 | 275 COMMERCE DRIVE, SUITE 301 FORT WASHINGTON, PA 19034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $478 | $0 | $478 | 2.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES INC & OTHER AGENTS | 475 KILVERT STREET WARWICK, RI 02886 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $403 | $3 | $406 | 1.84% |
| THE MERIDIAN GROUP INC3 Filed as: MERIDIAN BENEFITS INC | 475 KILVERT STREET, SUITE 350 WARWICK, RI 02886 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $327 | $0 | $327 | 1.48% |
| LAURIE SEUBERT3 Filed as: LAURIE SEUBERT-LEMIRE | 5853 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $239 | $71 | $310 | 1.40% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LIMITED | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $127 | $0 | $127 | 0.58% |
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 | 601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 866 | $57K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 682 | $324K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 24 | $22K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 682 | $213K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 902 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 902 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.