| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYANNE N PERRAS3 | PO BOX 1421 COVENTRY, RI 02816 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $12K | $12K | 1.31% |
| GOOD NEIGHBOR ALLIANCE3 | PO BOX 1421 COVENTRY, RI 02816 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 3.69% |
| MICHAEL E PERRAS3 | 32 ESTATE DR. EXETER, RI 02822 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.49% |
| MICHAEL E PERRAS3 | 32 ESTATE DR. EXETER, RI 02822 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| ACCESS ENROLL3 | 33 LANDAU RD. PLAINVILLE, MA 02792 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $977 | — | $977 | 3.79% |
| MICHAEL E PERRAS3 | 32 ESTATE DR. EXETER, RI 02822 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $649 | — | $649 | 2.52% |
| MICHAEL E PERRAS3 | 32 ESTATE DR. EXETER, RI 02822 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.41% |
| ACCESS ENROLL3 | 33 LANDAU RD. PLAINVILLE, MA 02792 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $351 | — | $351 | 1.59% |
| ACCESS ENROLL3 | 33 LANDAU RD. PLAINVILLE, MA 02792 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $337 | — | $337 | 3.00% |
| MICHAEL E PERRAS3 | 32 ESTATE DR. EXETER, RI 02822 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $224 | — | $224 | 1.99% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 284 | $951K |
| Dental | DELTA DENTAL OF RHODE ISLAND | 295 | $83K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $84K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16 | $22K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16 | $22K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
No prospect flags tripped on this filing.