| 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 | $0 | $57K | $57K | 0.64% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW DRIVE CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $3K | $38K | $41K | 0.46% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NE LLC | 2000 CHAPEL VIEW DRIVE CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $495 | $11K | $12K | 1.28% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE RD EAST GREENWICH, RI 02818 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $4K | $4K | 0.46% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | DELTA DENTAL OF RHODE ISLAND | $10K | — | $10K | 1.49% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 12.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $809 | $809 | 0.49% |
| 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 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $589 | $589 | 0.48% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $565 | $565 | 0.47% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | HM LIFE INSURANCE COMPANY | $6K | — | $6K | 7.00% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 3.69% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.55% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $54 | $54 | 0.07% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREEMWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $866 | $866 | 1.44% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD 646 EAST GREENWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $241 | $241 | 0.53% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 12.77% |
| THE ENROLLMENT NETWORK3 | 50 MAIN STREET STE 200 EAST GREENWICH, RI 02818 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 12.77% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | BOSTON MUTAUL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.83% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 15.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $558 | $558 | 2.40% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 15.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $321 | $321 | 1.50% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | HM LIFE INSURANCE COMPANY | $1K | — | $1K | 7.00% |
| THE ENROLLMENT NETWORK3 | 50 MAIN STREET STE 200 EAST GREENWICH, RI 02818 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 23.97% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $955 | — | $955 | 9.37% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | DELTA DENTAL OF RHODE ISLAND | $9 | — | $9 | 3.73% |
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 | 727 | 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) | 727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,527 | $9.7M |
| Dental(3 contracts) | DELTA DENTAL OF RHODE ISLAND | 1,498 | $726K |
| Vision(2 contracts) | HM LIFE INSURANCE COMPANY | 778 | $105K |
| Life insurance(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,561 | $357K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $148K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 782 | $146K |
| Other(7 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,561 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,561 | — |
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.