| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $4K | $52K | $57K | 2.41% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $7K | $0 | $7K | 3.56% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 19.40% |
| JEFFREY S SOCK3 Filed as: JEFFREY S. SOCK | 120 BECKWITH STREET CRANSTON, RI 02910 | AFLAC | $581 | $22 | $603 | 7.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | AFLAC | $459 | $0 | $459 | 5.45% |
| REGINA FERREIRA3 Filed as: REGINA FERREIRA AND OTHER AGENTS | 46 DENVER AVENUE CRANSTON, RI 02905 | AFLAC | $371 | $5 | $376 | 4.47% |
| PAULA G. MURRAY3 | PO BOX 3806 NEWPORT, RI 02840 | AFLAC | $125 | $0 | $125 | 1.49% |
| EDWARD H SPATER3 Filed as: EDWARD H. SPATER | PO BOX 351 EAST BROOKFIELD, MA 01515 | AFLAC | $124 | $0 | $124 | 1.47% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | AFLAC | $113 | $0 | $113 | 1.34% |
| LISA A. TAYLOR3 | 4500 CHANTING CIRCLE SW PORT ORCHARD, WA 98367 | AFLAC | $111 | $0 | $111 | 1.32% |
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 | 433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 348 | $2.3M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 384 | $207K |
| Vision | DELTA DENTAL OF RHODE ISLAND | 384 | $207K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $48K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 348 | $2.3M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.