| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROAD CRANSTON, RI 02920 | UNITEDHEALTHCARE INSURANCE COMPANY | $58K | — | $58K | 1.10% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | 700 W 47TH STREET STE 1100 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $20K | $20K | 0.37% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROAD CRANSTON, RI 02920 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.75% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | 700 W 47TH STREET STE 1100 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.75% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROAD CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $9K | — | $9K | 1.71% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROADS CRANSTON, RI 02920 | HM LIFE INSURANCE COMPANY | $4K | — | $4K | 7.00% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROAD CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 5.00% |
| ROLAND FLORENZ3 | SOCKANOSSET CROSSROAD STE 300 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $3K | $6K | 25.62% |
| ROLAND D FLORENZ3 | 75 SOCKANOSSET CROSSROADS STE 300 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $3K | 18.76% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROAD STE 300 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $3K | 18.40% |
| ROLAND FLORENZ3 Filed as: ROLAND FLORENZE | 75 SOCKANOSSET CROSSROAD STE 300 CRANSTON, RI 02920 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $645 | — | $645 | 10.00% |
| ROLAND FLORENZ3 | 95 SOCKANOSSET CROSSROADS STE 300 646 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $539 | $412 | $951 | 17.64% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROADS CRANSTON, RI 02920 | HM LIFE INSURANCE COMPANY | $350 | — | $350 | 6.99% |
| ROLAND FLORENZ2 | 75 SOCKANOSSET CROSSROADS CRANSTON, RI 02920 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $534 | — | $534 | 12.01% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROAD STE 300 CRANSTON, RI 02920 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $312 | — | $312 | 10.01% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROAD STE 300 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $128 | $115 | $243 | 19.01% |
| ROLAND D FLORENZ3 | 75 SOCKANOSSET CROSSROADS STE 300 CRANSTON, RI 02920 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $129 | — | $129 | 12.00% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROADS STE 300 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $4 | — | $4 | 2.14% |
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 | 657 | 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) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,398 | $5.8M |
| Dental(3 contracts) | DELTA DENTAL OF RHODE ISLAND | 1,293 | $579K |
| Vision(2 contracts) | HM LIFE INSURANCE COMPANY | 963 | $64K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 657 | $10K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 657 | $17K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 657 | $22K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 657 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,398 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.