| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BOULEVARD SUITE 3001 WARWICK, RI 02886 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 7.31% |
| GENCORP INSURANCE GROUP INC3 | 16 MAIN STREET EAST GREENWICH, RI 02818 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 7.25% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BOULEVARD WARWICK, RI 02886 | 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 | $10K | — | $10K | 15.35% |
| JAMES R SMITH INSURANCE LTD3 | 5835 POST ROAD SUITE 214 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $637 | — | $637 | 2.16% |
| J KING INSURANCE INC3 Filed as: J KING INSURANCE INC. | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $284 | — | $284 | 0.96% |
| ELDER CARE INSURANCE SOLUTIONS3 Filed as: ELDER CARE INSURANCE SOLUTIONS INC. | 44 HESPER DRIVE EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | — | $205 | 0.70% |
| JASON R SMITH3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | — | $195 | 0.66% |
| LAURIE SEUBERT3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 0.59% |
| CONSTANCE LABONTE3 | 4824 WILLOW RIDGE TERRACE VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.38% |
| DAVID L FLEURY3 | 545 SOUTH WATER STREET PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.37% |
| KIMBERLY ST ONGE3 | 104 CLEARVIEW DRIVE NOTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.22% |
| CHRISTOPHER IHLEFELD3 | 2 TRENTON STREET #2 PROVIDENCE, RI 02906 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.20% |
| THERESA CATHERINE MACMILLAN3 | 650 EAST GREENWICH AVENUE WEST WARWICK, RI 02893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.17% |
| JENNIFER MORETTI3 | 143 PEQUOT TRAIL EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.09% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 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 | $943 | — | $943 | 6.12% |
| GENCORP INSURANCE GROUP INC3 | 16 MAIN STREET EAST GREENWICH, RI 02818 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $987 | — | $987 | 19.99% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF RHODE ISLAND | 460 | $196K |
| Vision | VISION SERVICE PLAN | 116 | $15K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $110K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 65 | $5K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $81K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $495K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.