| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BR979-PGIA, INC DBA PROVIDER INSURA3 Filed as: BR979-PGIA, IINC. DBA PROVIDER INSU | 275 PROMENADE ST PROVIDENCE, RI 02908 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $11K | $11K | 2.19% |
| CROSS INSURANCE Filed as: BR01104-CROSS INSURANCE INC RI | 376 NEWPORT AVE EAST PROVIDENCE, RI 02916 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $1K | $1K | 0.21% |
| LONDON HEALTH ADMINISTRATORS3 | 40 COMMERCIAL WAY EAST PROVIDENCE, RI 02914 | LONDON HEALTH AMINISTRATORS | — | $7K | $7K | 6.88% |
| PGIA, INC DBA PROVIDER INSURANCE3 | 160 GOULD ST SUITE 122 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $426 | — | $426 | 1.69% |
| PGIA, INC DBA PROVIDER INSURANCE3 | 160 GOULD ST SUITE 122 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $404 | — | $404 | 1.69% |
| MICHAEL GEMMA3 Filed as: MICHAEL RASPALLO | 931 JEFFERSON BLVD WARWICK, RI 02886 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 23.42% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON ST CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $456 | $2K | 19.46% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $723 | $506 | $1K | 11.25% |
| STEVEN ALBERT SARACINO | 685 HOPE ST BRISTOL, RI 02809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $902 | $47 | $949 | 8.69% |
| KIMBERLY ANNE CUNNINGHAM3 Filed as: KIMBERLY ANN CUNNINGHAM | 266 FERRY LANDING CIRCLE PORTSMOUTH, RI 02871 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $401 | $128 | $529 | 4.84% |
| THE PATRIOT FINANCIAL GROUP3 | 182 TURNPIKE RD SUITE 200 WESTBOROUGH, MA 01581 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $442 | — | $442 | 4.05% |
| STEPHEN CORRIVEAU3 | 420 GRANGE RD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $12 | $81 | 0.74% |
| KAREN J. BACON3 Filed as: KAREN J BACON | 70 JEFFERSON BLVD WARWICK, RI 02888 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| KAREN J. BACON3 Filed as: KAREN J BACON | 70 JEFFERSON BLVD WARWICK, RI 02888 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $450 | — | $450 | 10.00% |
| PGIA, INC DBA PROVIDER INSURANCE3 | 160 GOULD ST SUITE 122 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $8 | — | $8 | 1.73% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 131 | $525K |
| Dental(3 contracts) | DELTA DENTAL OF RHODE ISLAND | 76 | $50K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 96 | $5K |
| Other(4 contracts, 3 carriers) | LONDON HEALTH AMINISTRATORS | 96 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.