| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 475 KILVERT STREET WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $4K | $42K | $47K | 2.34% |
| MICHAEL P SPEISMAN3 Filed as: MICHAEL P. SPEISMAN | 5 WEST STREET NATICK, MA 01760 | AFLAC | $372 | $0 | $372 | 5.68% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | 2000 COMMON WEALTH AVENUE SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $216 | $0 | $216 | 3.30% |
| WENDY POOLE PYNE3 Filed as: WENDY J. POOLE PYNE | 206 EAST UNION STREET ASHALAND, MA 01721 | AFLAC | $182 | $0 | $182 | 2.78% |
| MJ INSURANCE3 Filed as: WEX, INC. AND VARIOUS AGENTS | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $151 | $0 | $151 | 2.30% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $51 | $0 | $51 | 0.78% |
| DANIEL P CLARK3 Filed as: DANIEL P. CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $29 | $0 | $29 | 0.44% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 342 | $2.0M |
| Dental | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 342 | $2.0M |
| Short-term disability | AFLAC | 91 | $7K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 342 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.