| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY ANNE CUNNINGHAM3 | 545 SOUTH WATER STREET PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37K | $42K | $80K | 17.71% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON ST CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $7K | $28K | 6.13% |
| ENROLLMENT SOLUTIONS LTD3 | 14 WUNSCHEL DR SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $10K | $26K | 5.79% |
| J KING INSURANCE INC3 Filed as: J. KING INSURANCE INC. | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $9K | $17K | 3.80% |
| SHARON R. SMITH3 | 755 BLACK PLAIN RD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $504 | $15K | 3.31% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 545 SOUTH WATER STREET PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $8K | $15K | 3.22% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1158 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $1K | $12K | 2.56% |
| JAMES R SMITH INSURANCE LTD3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $5K | 1.18% |
| LAURIE SEUBERT3 | 5835 POST RD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 1.05% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $675 | $2K | 0.42% |
| GLENN ZIMMERMAN INC3 Filed as: GLENN ZIMMERMAN, INC. | 1510 HIGH ROCK RD GIBSONVILLE, NC 27249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $264 | $80 | $344 | 0.08% |
| JEFFREY LEE LASKO3 | 218 POLARIS DRIVE WALKERSVILLE, MD 21793 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $294 | $40 | $334 | 0.07% |
| NICHOLAS CUSMANO3 | 1604 STONEGATE BLVD ELKTON, MD 21921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | $11 | $313 | 0.07% |
| KEVIN O'NEILL3 | 5626 KIRKWOOD HWY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $22 | $66 | 0.01% |
| BARRETT L PATTERSON3 | P.O. BOX 10641 RALEIGH, NC 27605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $3 | $17 | 0.00% |
| JANIE M GREER3 | 124 CHATTERSON DR RALEIGH, NC 27615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.00% |
| AMBER LYNNE KNAPP3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC - NEW ENGLAND | BOSTON OPCO PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 10.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC - MIDWEST | GRAND RAPIDS OPCO PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC - NEW ENGLAND | MANCHESTER PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $577 | $0 | $577 | 0.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.57% |
| THE ENROLLMENT NETWORK3 Filed as: ENROLLMENT NETOWRK | 5835 POST ROAD STE 214 EAST GREENWICH, RI 02818 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $3K | $13K | 18.65% |
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 | 345 | 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) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 698 | $3.2M |
| Dental | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 698 | $3.2M |
| Vision | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 698 | $3.2M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $189K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 349 | $71K |
| Long-term disability(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 349 | $140K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 349 | $641K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 698 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.