| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET WOBURN, MA 01801 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $86K | $86K | 3.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSRANCE SERVICES LLC | 475 KILVERT STREET WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $8K | $0 | $8K | 0.28% |
| OCEANPOINT INSURANCE AGENCY3 | 500 WEST MAIN ROAD MIDDLETOWN, RI 02842 | DELTA DENTAL OF RHODE ISLAND | $3K | $0 | $3K | 1.37% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $3K | $0 | $3K | 1.37% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | SYMETRA LIFE INSURANCE COMPANY | $21K | $3K | $24K | 16.91% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | VISION SERVICE PLAN | $852 | $0 | $852 | 2.36% |
| STANGLE & DENIGRIS3 Filed as: STANGLE AND DENIGRIS, INC. | 580 HAZARD AVENUE ENFIELD, CT 06082 | FEDERAL INSURANCE COMPANY | $1K | $0 | $1K | 30.01% |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 498 | $2.8M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 227 | $190K |
| Vision | VISION SERVICE PLAN | 170 | $36K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 284 | $140K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 284 | $140K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 498 | $2.8M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 290 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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.