| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG INC | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $86K | $86K | 0.86% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NORTHEAST | 123 MAIN STREET, 14TH FLOOR WHITE PLAINS, NY 10601 | DELTA DENTAL OF RHODE ISLAND | $7K | — | $7K | 2.48% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG, INC. | 123 MAIN STREET FL 14 WHITE PLAINS, NY 10601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG INC | 123 MAIN ST 14TH FLOOR WHITE PLAINS, NY 10601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.56% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG INC | 123 MAIN ST 14TH FLOOR WHITE PLAINS, NY 10601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 9.25% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NORTHEAST LLC | 123 MAIN ST FL 14 WHITE PLAINS, NY 10601 | VISION SERVICE PLAN | $2K | — | $2K | 3.68% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 123 MAIN ST. 14TH FLOOR WHITE PLAINS, NY 10601 | FOUR EVER LIFE INS CO | $2K | $842 | $3K | 14.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 123 MAIN ST FL 14 WHITE PLAINS, NY 10601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $320 | $22 | $342 | 18.82% |
| TOMMY TAM3 | 418 EAST 74TH STREET NEW YORK, NY 10601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $224 | — | $224 | 12.33% |
| KATHLEEN ENGELMAN GULLA3 | 118 OAKWOODS DRIVE WAKEFIELD, RI 02879 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $165 | — | $165 | 9.08% |
| JAMES R SMITH INSURANCE LTD3 | 5835 POST ROAD STE 214 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $16 | $28 | 1.54% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 1.38% |
| J KING INSURANCE INC3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $13 | $25 | 1.38% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET STE 5500 WOBURN, MA 01801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.66% |
| KRISTY COLGATE3 | 43 MAGILL DR. GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.50% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.39% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.33% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.11% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG, INC. | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $164 | — | $164 | 10.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 12 GILL STREET STE 5500 WOBURN, MA 01801 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 1.70% |
| KRISTY COLGATE3 | 43 MAGILL DR GRAFTON, MA 01519 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 1.14% |
| THOMAS E KIENZLER3 | 359 WASHINGTON RD ENFIELD, CT 06082 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.95% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.95% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $10K |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 197 | $10.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF RHODE ISLAND | 196 | $385K |
| Vision | VISION SERVICE PLAN | 197 | $44K |
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 170 | $61K |
| Short-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 8 | $0 |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 170 | $51K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 197 | $10.0M |
| Other(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 170 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.