| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI NE | 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 | 19.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NE | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $940 | $0 | $940 | 2.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NE | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $3K | $0 | $3K | 10.00% |
| JEFFREY S SOCK3 Filed as: JEFFREY SOCK | 120 BECKWITH STREET CRANSTON, RI 02910 | AFLAC | $900 | $5 | $905 | 13.13% |
| REGINA FERREIRA3 | 46 DENVER AVENUE CRANSTON, RI 02905 | AFLAC | $252 | $22 | $274 | 3.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | AFLAC | $186 | $0 | $186 | 2.70% |
| LISA TAYLOR3 | 4500 CHANTING CIRCLE SW PORT ORCHARD, WA 98367 | AFLAC | $173 | $0 | $173 | 2.51% |
| KELVIN MCINERNEY3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $140 | $5 | $145 | 2.10% |
| PULA MURRAY3 | PO BOX 3806 NEWPORT, RI 02840 | AFLAC | $85 | $0 | $85 | 1.23% |
| EDWARD H SPATER3 Filed as: EDWARD SPATER | PO BOX 351 EAST BROOKFIELD, MA 01515 | AFLAC | $76 | $0 | $76 | 1.10% |
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 | 480 | 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) | 483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 389 | $2.8M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 382 | $206K |
| Vision | DELTA DENTAL OF RHODE ISLAND | 419 | $26K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 235 | $48K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 389 | $2.8M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 235 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.