| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BR979-PGIA, INC DBA PROVIDER INSURA3 | 275 PROMANADE STREET PROVIDENCE, RI 02908 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $17K | $17K | 2.01% |
| PGIA, INC DBA PROVIDER INSURANCE | 160 GOULD ST SUITE 122 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 1.81% |
| PGIA, INC DBA PROVIDER INSURANCE | 160 GOULD ST SUITE 122 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $437 | — | $437 | 1.81% |
| PGIA, INC DBA PROVIDER INSURANCE3 | 160 GOULD ST SUITE 122 NEEDHAM, MA 02494 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $704 | — | $704 | 3.40% |
| PGIA, INC DBA PROVIDER INSURANCE | 275 PROMANADE STREET SUITE 135 PROVIDENCE, RI 02908 | VISION SERVICE PLAN | -$39 | — | -$39 | -0.39% |
| PGIA, INC DBA PROVIDER INSURANCE3 | 160 GOULD ST SUITE 122 NEEDHAM, MA 02494 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| PGIA, INC DBA PROVIDER INSURANCE | 275 PROMANADE STREET SUITE 135 PROVIDENCE, RI 02908 | VISION SERVICE PLAN | $112 | — | $112 | 3.80% |
| PGIA, INC DBA PROVIDER INSURANCE | 160 GOULD ST SUITE 122 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $9 | — | $9 | 1.84% |
| LONDON HEALTH ADMINISTRATORS | 40 COMMERCIAL WAY EAST PROVIDENCE, RI 02914 | LONDON HEALTH ADMINISTRATORS | — | $6K | $6K | — |
| LONDAN HEALTH ADMINISTRATORS | 40 COMMERCIAL WAY EAST PROVIDENCE, RI 02914 | LONDON HEALTH ADMINISTRATORS | — | $2K | $2K | — |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 153 | $869K |
| Dental(4 contracts) | DELTA DENTAL OF RHODE ISLAND | 120 | $81K |
| Vision(2 contracts) | VISION SERVICE PLAN | 52 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $21K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.