| 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 | $44K | — | $44K | 1.44% |
| JOSEPH SINAPI3 Filed as: JOSEPH DAVID D AMICO | 32 RED HAWK DRIVE CRANSTON, RI 02921 | UNITEDHEALTHCARE INSURANCE COMPANY | $42K | — | $42K | 1.37% |
| RSC INSURANCE BROKERAGE INC | 160 FEDERAL ST BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.06% |
| WILLIAM M DELMAGE3 Filed as: WILLIAM DELMAGE | 34 HEMINGWAY DR RIVERSIDE, RI 02915 | UNITEDHEALTHCARE INSURANCE COMPANY | $20 | — | $20 | 0.00% |
| JOSEPH SINAPI3 Filed as: JOSEPH D AMICO | 32 RED HAWK DR CRANSTON, RI 02921 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 4.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 116 HUNTINGTON AVE BOSTON, MA 02116 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 4.02% |
| WILIAM DELMAGE3 | 34 HEMINGWAY DR RIVERSIDE, RI 02915 | VISION SERVICE PLAN | $589 | — | $589 | 2.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $30 | — | $30 | 0.14% |
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 | 443 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 443 | $3.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 443 | $3.1M |
| Vision | VISION SERVICE PLAN | 168 | $22K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $118K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $118K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.