| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BR15623 | 12 GILL STREET WOBURN, MA 01801 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $89K | $89K | 2.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $3K | $0 | $3K | 1.38% |
| OCEANPOINT INSURANCE AGENCY3 | 500 WEST MAIN ROAD MIDDLETOWN, RI 02842 | DELTA DENTAL OF RHODE ISLAND | $3K | $0 | $3K | 1.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL | $15K | $0 | $15K | 15.00% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL | $0 | $98 | $98 | 0.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $20 | $1K | 5.22% |
| KRISTY COLGATE3 | 43 MAGILL DRIVE GRAFTON, MA 01519 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $532 | $93 | $625 | 2.92% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS, LTD | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $402 | $147 | $549 | 2.56% |
| MARY-JOYCE LICATA3 Filed as: MARY JOYCE LICATA | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $252 | $60 | $312 | 1.46% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $218 | $0 | $218 | 1.02% |
| MJ INSURANCE3 Filed as: KATHERINE E GREENE & VARIOUS AGENTS | 22 OAKLAWN AVENUE APARTMENT 112 CRANSTON, RI 02920 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $140 | $0 | $140 | 0.65% |
| DAVID L FLEURY3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | $3 | $121 | 0.56% |
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 | 530 | $3.0M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 290 | $208K |
| Vision | VISION SERVICE PLAN | 188 | $42K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL | 305 | $120K |
| Long-term disability | PRUDENTIAL | 305 | $99K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 530 | $3.0M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL | 305 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.