| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURACE SERVICES LLC | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $51K | $51K | 2.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURACE SERVICES LLC | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $6K | $0 | $6K | 2.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURACE SERVICES LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 22.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURACE SERVICES LLC | PO BOX 63716 NORFOLK, VA 23514 | VISION SERVICE PLAN | $2K | $0 | $2K | 7.00% |
| JEFFREY S SOCK3 Filed as: JEFFREY S. SOCK | 120 BECKWITH STREET CRANSON, RI 02910 | AFLAC | $219 | $0 | $219 | 2.57% |
| PAULA G. MURRAY3 | PO BOX 3806 NEWPORT, RI 02840 | AFLAC | $195 | $0 | $195 | 2.29% |
| MJ INSURANCE3 Filed as: ESTA KORNSTEIN AND VARIOUS AGENTS | 120 RAY AVENUE WOONSOCKET, RI 02895 | AFLAC | $190 | $0 | $190 | 2.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1158 5700 POST ROAD EAST GREENWICH, RI 02818 | AFLAC | $149 | $0 | $149 | 1.75% |
| LISA A. TAYLOR3 | 4500 CHANTING CIRCLE SW PORT ORCHARD, WA 98367 | AFLAC | $145 | $0 | $145 | 1.70% |
| EDWARD H SPATER3 Filed as: EDWARD H. SPATER | PO BOX 351 EAST BROOKFIELD, MA 01515 | AFLAC | $136 | $0 | $136 | 1.60% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN COURT CRANSTON, RI 02921 | AFLAC | $42 | $0 | $42 | 0.49% |
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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 230 | $2.3M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 538 | $213K |
| Vision | VISION SERVICE PLAN | 212 | $31K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $53K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 230 | $2.3M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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.