| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER MORAN3 | 671 MAIN STREET MEDFIELD, MA 02052 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $15K | $15K | 0.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 475 KILVERT STREET, BUILDING B SUITE 205 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $11K | $11K | 0.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 300 EAST MAIN STREET, SUITE 1300 NORFOLK, VA 23510 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $3K | $0 | $3K | 0.15% |
| KENNETH TRINQUE3 | 59 ELMWOOD AVENUE PROVIDENCE, RI 02907 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $2K | $2K | 0.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $22K | $1K | $23K | 5.41% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | $4K | $18K | 4.21% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD BUILDING C SOUTH PORTLAND, ME 04106 | EXCELLUS BLUE CROSS BLUE SHIELD | $15K | $0 | $15K | 4.99% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS SOUTH ROAD PORTLAND, ME 04106 | DAVIS VISION | $5K | $0 | $5K | 13.33% |
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 | 581 | 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) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 454 | $2.0M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 479 | $292K |
| Vision | DAVIS VISION | 388 | $35K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 581 | $421K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 581 | $421K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 581 | $421K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 454 | $2.0M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 581 | $421K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.