| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $29K | $29K | 0.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEN VIEW DRIVE CRANSTON, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $4K | $19K | $23K | 0.39% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 12.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE RT 35, STE 368 WALL, NC 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $4K | $7K | 5.61% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE RT 35, STE 368 WALL, NC 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $4K | 5.66% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $652 | — | $652 | 1.00% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | CIGNA HEALTH AND LIFE INSURANCE | $7K | — | $7K | 12.78% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE RT 35, STE 368 WALL, NJ 07719 | CIGNA HEALTH AND LIFE INSURANCE | — | $2K | $2K | 4.26% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 12.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE RT 35, STE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $2K | $3K | 5.61% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 7.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE RT 35, STE 368 WALL, NJ 07719 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 3.00% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 12.64% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE RT 35, STE 368 WALL, NC 07719 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 4.21% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 5.99% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD 646 EAST GREENWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE RT 35, STE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $660 | $789 | $1K | 5.64% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.92% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 12.53% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE RT 35, STE 368 WALL, NJ 07719 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $617 | $617 | 4.18% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | METROPOLITAN LIFE INSURANCE COMPANY | $449 | — | $449 | 7.00% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $628 | — | $628 | 9.99% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STTE RT 35, STE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $162 | $193 | $355 | 5.65% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | DELTA DENTAL OF RHODE ISLAND | $7K | — | $7K | — |
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 | 362 | 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) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 800 | $5.9M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 759 | $30K |
| Vision(2 contracts, 2 carriers) | DELTA DENTAL OF RHODE ISLAND | 540 | $50K |
| Life insurance(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 817 | $166K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 95 | $74K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 362 | $82K |
| Other(8 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 817 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 817 | — |
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.