| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROAD CRANSTON, RI 02920 | UNITEDHEALTHCARE INSURANCE COMPANY | $62K | — | $62K | 0.75% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $41K | $41K | 0.50% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROAD CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $50K | $50K | 7.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45203 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $5K | $5K | 0.70% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROAD CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $10K | — | $10K | 1.50% |
| ROLAND D FLORENZ3 | 75 SOCKANOSSET CROSSROAD STE 300 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 11.94% |
| ROLAND D FLORENZ3 | 75 SOCKANOSSET CROSSROADS STE 300 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 12.00% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROAD STE 300 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.00% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROADS CRANSTON, RI 02920 | HM LIFE INSURANCE COMPANY | $6K | — | $6K | 7.00% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROAD STE 300 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 4.16% |
| ROLAND FLORENZ3 | SOCKANOSSET CROSSROAD STE 300 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 14.24% |
| ROLAND FLORENZ3 | 95 SOCKANOSSET CROSSROADS STE 300 646 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROADS CRANSTON, RI 02920 | HM LIFE INSURANCE COMPANY | $768 | — | $768 | 7.00% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROADS STE 300 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $60 | — | $60 | 4.15% |
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 | 1,255 | 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) | 1,255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,472 | $8.9M |
| Dental(3 contracts) | DELTA DENTAL OF RHODE ISLAND | 1,334 | $707K |
| Vision(2 contracts) | HM LIFE INSURANCE COMPANY | 991 | $99K |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,255 | $221K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $113K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 619 | $105K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,255 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,472 | — |
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."
No prospect flags tripped on this filing.