| 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 | — | $60K | $60K | 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 | $40K | $43K | 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 | $480 | $8K | $8K | 1.21% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE RD EAST GREENWICH, RI 02818 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $8K | $8K | 1.15% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | DELTA DENTAL OF RHODE ISLAND | $10K | — | $10K | 1.46% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 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 | — | $11K | $11K | 5.00% |
| 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 | — | $7K | $7K | 5.00% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.00% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 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 | — | $6K | $6K | 5.00% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | HM LIFE INSURANCE COMPANY | $7K | — | $7K | 7.00% |
| ROLAND FLORENZ3 | 75 SOCKANOSSET CROSSROAD STE 300 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $620 | $15K | 15.65% |
| 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 | -$103 | $5K | $5K | 5.00% |
| ROLAND D FLORENZ3 | 75 SOCJANOSSET CROSSROAD STE 300 CRANSTON, RI 02920 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $427 | $10K | 15.65% |
| 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 | -$71 | $3K | $3K | 5.00% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 4.53% |
| 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 | — | $3K | $3K | 5.00% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.49% |
| THE ENROLLMENT NETWORK3 | 50 MAIN STREET STE 200 EAST GREENWICH, RI 02818 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.49% |
| ROLAND D FLORENZ3 | 75 SOCKANOSSET CROSSROAD STE 300 CRANSTON, RI 02920 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $502 | $5K | 16.62% |
| 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 | -$33 | $2K | $2K | 5.00% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.85% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | HM LIFE INSURANCE COMPANY | $807 | — | $807 | 7.00% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | DELTA DENTAL OF RHODE ISLAND | $133 | — | $133 | 1.46% |
| THE ENROLLMENT NETWORK3 | 50 MAIN STREET STE 200 EAST GREENWICH, RI 02818 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $502 | — | $502 | 6.51% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $307 | — | $307 | 3.98% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | DELTA DENTAL OF RHODE ISLAND | $2 | — | $2 | 1.56% |
| ROLAND D FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | — |
| 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 | -$6K | $7K | $683 | — |
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 | 721 | 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) | 721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,260 | $10.0M |
| Dental(4 contracts) | DELTA DENTAL OF RHODE ISLAND | 1,173 | $724K |
| Vision(2 contracts) | HM LIFE INSURANCE COMPANY | 939 | $107K |
| Life insurance(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 550 | $347K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 151 | $152K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 550 | $161K |
| Other(7 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 550 | $493K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,260 | — |
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.