| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | $16K | $78K | $94K | 3.45% |
| RESOLUTION REINSURANCE3 Filed as: RESOLUTION REINSURANCE INTERMED. | 4408 FOREST DRIVE, SUITE 202 COLUMBIA, SC 29206 | FEDERAL INSURANCE COMPANY | $57K | — | $57K | 16.17% |
| STANGLE & DENIGRIS3 Filed as: STANGLE AND DENIGRIS, INC. | 580 HAZARD AVENUE ENFIELD, CT 06082 | FEDERAL INSURANCE COMPANY | $5K | — | $5K | 1.47% |
| OCEANPOINT INSURANCE AGENCY3 | 272 VALLEY ROAD MIDDLETOWN, RI 02842 | DELTA DENTAL OF RHODE ISLAND | $5K | — | $5K | 2.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | SYMETRA LIFE INSURANCE COMPANY | $19K | $3K | $21K | 15.79% |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 473 | $2.7M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 480 | $181K |
| Vision | VISION SERVICE PLAN | 153 | $34K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 253 | $134K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 253 | $134K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 473 | $2.7M |
| Other(4 contracts, 4 carriers) | FEDERAL INSURANCE COMPANY | 290 | $492K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.