| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 5700 POST ROAD EAST GREENWICH, RI 02818 | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | $56K | — | $56K | 2.90% |
| WENDY POOLE PYNE3 Filed as: WENDY J. POOLE PYNE | 206 EAST UNION STREET ASHLAND, MA 01721 | AFLAC | $7K | $362 | $7K | 7.50% |
| MICHAEL P SPEISMAN3 Filed as: MICHAEL P. SPEISMAN | 5 WEST STREET NATICK, MA 01760 | AFLAC | $3K | $146 | $4K | 3.65% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | 29 CRAFTS STREET, SUITE 550 SUITE 550 NEWTON, MA 02458 | AFLAC | $3K | $102 | $3K | 3.36% |
| WEX INC3 Filed as: WEX, INC. | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $1K | $102 | $1K | 1.47% |
| MJ INSURANCE3 Filed as: BRIAN R. ROBBINS AND VARIOUS AGENTS | 2 PILGRIM CIRCLE WARWICK, RI 02888 | AFLAC | $1K | — | $1K | 1.19% |
| DANIEL P CLARK3 Filed as: DANIEL P. CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $907 | $102 | $1K | 1.02% |
| KAREN TUCCI3 | 73 STETSON DRIVE MARLBOROUGH, MA 01752 | AFLAC | $462 | — | $462 | 0.47% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 307 | $1.9M |
| Dental | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 307 | $1.9M |
| Short-term disability | AFLAC | 140 | $99K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 307 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.