| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 50 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 02184 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $7K | $52K | $58K | 1.75% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $12K | $22K | $34K | 1.02% |
| OCEANPOINT INSURANCE AGENCY3 | 500 WEST MAIN ROAD MIDDLETOWN, RI 02842 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $11K | $11K | 0.33% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET WOBURN, MA 01801 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $8K | $8K | 0.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DELTA DENTAL OF RHODE ISLAND | $4K | $0 | $4K | 1.76% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $965 | $0 | $965 | 0.44% |
| OCEANPOINT INSURANCE AGENCY3 | 500 WEST MAIN ROAD MIDDLETOWN, RI 02842 | DELTA DENTAL OF RHODE ISLAND | $965 | $0 | $965 | 0.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 184 JOHN CLARKE ROAD MIDDLETOWN, RI 02842 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 9.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 5.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.93% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $61 | $61 | 0.05% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $10 | $10 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.79% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $34 | $3K | 8.69% |
| KRISTY COLGATE3 | 43 MAGILL DRIVE GRAFTON, MA 01519 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $117 | $1K | 4.81% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS, LTD | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $930 | $423 | $1K | 4.43% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $255 | $1K | 4.40% |
| STEPHANIE DECHRISTOFARO3 Filed as: STEPHANIE DECHRISTOFARO & OTHER AGT | 1225 BLACK OAK DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $516 | $4 | $520 | 1.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $201 | $9 | $210 | 0.69% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $187 | $0 | $187 | 0.61% |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 522 | $3.3M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 569 | $220K |
| Vision | VISION SERVICE PLAN | 229 | $53K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 334 | $143K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 334 | $113K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 522 | $3.3M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 334 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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.