| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GENCORP INSURANCE GROUP INC3 | 16 MAIN STREET EAST GREENWICH, RI 02818 | UNITEDHEALTHCARE INSURANCE COMPANY | $64K | — | $64K | 14.48% |
| GENCORP INSURANCE GROUP INC3 Filed as: GENCORP INSURANCE AGENCY | 16 MAIN STREET EAST GREENWICH, RI 02818 | DELTA DENTAL OF RHODE ISLAND | $5K | — | $5K | 2.71% |
| GENCORP INSURANCE GROUP INC3 Filed as: GENCORP INSURANCE GROUP INC. | 16 MAIN STREET EAST GREENWICH, RI 02818 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 20.00% |
| THE ENROLLMENT NETWORK3 | 5835 POST ROAD SUITE 214 EAST GREENWICH, RI 02818 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 14.11% |
| JANE R SMITH INSURANCE LTD3 | 5835 POST ROAD SUITE 214 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $947 | $313 | $1K | 3.89% |
| J KING INSURANCE INC3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $494 | $207 | $701 | 2.16% |
| JASON R SMITH3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $323 | $14 | $337 | 1.04% |
| LAURIE SEUBERT3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $258 | $30 | $288 | 0.89% |
| CHRISTOPHER IHLEFELD3 | 104 JOHN STREET PROVIDENCE, RI 02906 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $5 | $245 | 0.76% |
| ELDER CARE INSURANCE SOLUTIONS3 Filed as: ELDER CARE INSURANCE SOLUTIONS INC | 44 HESPER DRIVE EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | — | $231 | 0.71% |
| DAVID L FLEURY3 | 545 SOUTH MAIN STREET PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | $27 | $172 | 0.53% |
| JENNIFER MORETTI3 Filed as: JENNIFER M MORETTI | 143 PEQUOT TRAIL EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $1 | $135 | 0.42% |
| CONSTANCE LABONTE3 | 4824 WILLOW RIDGE TERRACE VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.39% |
| KIMBERLY ST ONGE3 | 104 CLEARVIEW DRIVE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.23% |
| THERSA CATHERINE MACMILLAN3 | 650 EAST GREENWICH AVENUE WEST WARWICK, RI 02893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.18% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.05% |
| BRIAN F MULLANEY3 | 24 BALD HILL ROAD CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| GENCORP INSURANCE GROUP INC3 | 16 MAIN STREET EAST GREENWICH, RI 02818 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| GENCORP INSURANCE GROUP INC3 | 16 MAIN STREET EAST GREENWICH, RI 02818 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| THE ENROLLMENT NETWORK3 Filed as: ENROLLMENT NETWORK | 5835 POST ROAD SUITE 214 EAST GREENWICH, RI 02818 | VISION SERVICE PLAN | $950 | — | $950 | 6.08% |
| GENCORP INSURANCE GROUP INC3 | 16 MAIN STREET EAST GREENWICH, RI 02818 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $962 | — | $962 | 20.00% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF RHODE ISLAND | 470 | $197K |
| Vision | VISION SERVICE PLAN | 110 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 58 | $18K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 58 | $5K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 58 | $18K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $439K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.