| 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 | — | $50K | $50K | 0.66% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $13K | $22K | $35K | 0.46% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD STE 3001 WARWICK, RI 02808 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $11K | $11K | 0.15% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45203 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $2K | $6K | $7K | 0.98% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $6K | $6K | 0.74% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD STE 3001 WRAWICK, RI 02808 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $1K | $1K | 0.14% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | DELTA DENTAL OF RHODE ISLAND | $9K | — | $9K | 1.62% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 11.93% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $957 | — | $957 | 1.00% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 12.00% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROADS CRANSTON, RI 02920 | HM LIFE INSURANCE COMPANY | $5K | — | $5K | 7.00% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 3.90% |
| ROLAND FLORENZ3 | SOCKANOSSET CROSSROAD STE 300 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD 646 EAST GREENWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | BOSTON MUTAUL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.09% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROADS CRANSTON, RI 02920 | HM LIFE INSURANCE COMPANY | $921 | — | $921 | 7.00% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $900 | — | $900 | 10.00% |
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 | 1,318 | 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) | 1,318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,358 | $8.4M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 1,315 | $643K |
| Vision(2 contracts) | HM LIFE INSURANCE COMPANY | 912 | $88K |
| Life insurance(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 680 | $229K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $117K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 638 | $118K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 680 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,358 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.