| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 116 HUNTINGTON AVE BOSTON, MA 02116 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 1.17% |
| JOSEPH SINAPI3 Filed as: JOSEPH DAVID D AMICO | 32 RED HAWK DR CRANSTON, RI 02921 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 0.21% |
| WILLIAM M DELMAGE3 | 34 HEMINGWAY DR RIVERSIDE, RI 02915 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.10% |
| W D AND ASSOCIATES3 Filed as: WD & ASSOCIATES INC | 34 HEMINGWAY DR RIVERSIDE, RI 02915 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 7.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 116 HUNTINGTON AVE BOSTON, MA 02116 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| DAMICO, JOSEPH D3 | 32 REDHAWK DR CRANSTON, RI 02921 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $969 | — | $969 | 4.71% |
| WILLIAM M DELMAGE3 Filed as: WILLIAM DELMAGE | 34 HEMINGWAY DR RIVERSIDE, RI 02915 | VISION SERVICE PLAN | $564 | — | $564 | 2.74% |
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 | 423 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 42 | $2.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 42 | $2.9M |
| Vision | VISION SERVICE PLAN | 164 | $21K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 293 | $108K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 293 | $108K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 293 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.