| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | DELTA DENTAL OF RHODE ISLAND | $11K | $0 | $11K | 1.30% |
| ROLAND D FLORENZ3 Filed as: ROLAND D. FLORENZ | 10 EZECHIAL CARRE ROAD EAST GREENWICH, RI 02818 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $67K | $0 | $67K | 8.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $8K | $0 | $8K | 5.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | EYEMED VISION CARE | $8K | $0 | $8K | 4.94% |
| J KING INSURANCE INC3 Filed as: J KING INS INC | 333 MAIN STREET STE 1 EAST GREENWICH, RI 02818 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 15.80% |
| ROLAND FLORENZ3 | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 9.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 265 FRANKLIN ST 19TH FL BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.76% |
| J KING INSURANCE INC3 Filed as: J KING INS INC | 333 MAIN STREET STE 1 EAST GREENWICH, RI 02818 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 13.60% |
| ROLAND FLORENZ3 | 1O EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 9.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 265 FRANKLIN ST 19TH FL BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.50% |
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 | 4,108 | 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) | 4,108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF RHODE ISLAND | 2,726 | $841K |
| Vision | EYEMED VISION CARE | 2,906 | $162K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,108 | $797K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,108 | $797K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,108 | $797K |
| Other(4 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 5,631 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,631 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.