| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $53K | $53K | 2.53% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $5K | $0 | $5K | 2.70% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 18.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 3716 NORFOLK, VA 23514 | VISION SERVICE PLAN | $2K | $0 | $2K | 7.00% |
| MJ INSURANCE3 Filed as: ESTA KORNSTEIN AND VARIOUS AGENTS | 1525 OLD LOUISQUISSET PIKE BUILDING A LINCOLN, RI 02865 | AFLAC | $219 | $0 | $219 | 2.50% |
| PAULA G. MURRAY3 | PO BOX 3806 NEWPORT, RI 02840 | AFLAC | $196 | $0 | $196 | 2.24% |
| USI INSURANCE SERVICES LLC3 | 5700 POST ROAD EAST GREENWICH, RI 02818 | AFLAC | $150 | $0 | $150 | 1.72% |
| LISA TAYLOR3 | 11725 TRIVIERE TRAIL SE PORT ORCHARD, WA 98367 | AFLAC | $145 | $0 | $145 | 1.66% |
| EDWARD H SPATER3 Filed as: EDWARD H. SPATER | PO BOX 351 EAST BROOKFIELD, MA 01515 | AFLAC | $137 | $0 | $137 | 1.57% |
| JEFFREY S SOCK3 Filed as: JEFFREY S. SOCK | 1036 NARRAGANSETT BOULEVARD CRANTON, RI 02905 | AFLAC | $128 | $0 | $128 | 1.46% |
| SINAPI INSURANCE ASSOCIATES INC3 Filed as: SINAPI INSURANCE ASSOCIATES INC. | 16 SWAN COURT CRANSTON, RI 02921 | AFLAC | $42 | $0 | $42 | 0.48% |
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) | UNITEDHEALTHCARE INSURANCE COMPANY | 387 | $2.1M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 511 | $199K |
| Vision | VISION SERVICE PLAN | 199 | $28K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $49K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 387 | $2.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.