| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $34K | $34K | 3.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 10.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 5700 POST ROAD EAST GREENWICH, RI 02818 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 2.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVIVCES, LLC | 475 KILVERT STREET, BUILDING B SUITE 205 WARWICK, RI 02818 | VISION SERVICE PLAN | $664 | — | $664 | 8.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 475 KILVERT STREET WARWICK, RI 02886 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $421 | $34 | $455 | 5.56% |
| J KING INSURANCE INC3 Filed as: J. KING INSURANCE, INC. | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $162 | $15 | $177 | 2.16% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH ROAD UPPER MARLBORO, MD 20772 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $119 | $2 | $121 | 1.48% |
| LAURIE SEUBERT3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $95 | $12 | $107 | 1.31% |
| THERESA PAGNINI3 Filed as: THERESA A. FERRIS AND VARIOUS AGENT | 550 LIBERTY STREET, SUITE 1308 BRAINTREE, MA 02184 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $4 | $69 | 0.84% |
| JAMES R SMITH INSURANCE LTD3 Filed as: JAMES R. SMITH INSURANCE, LTD | 5835 POST ROAD, SUITE 214 EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $9 | $66 | 0.81% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 545 SOUTH WATER STREET PROVIDENCE, RI 02903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $1 | $34 | 0.42% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 184 | $1.1M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 201 | $93K |
| Vision | VISION SERVICE PLAN | 80 | $8K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $128K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $128K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $128K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 184 | $1.1M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.