| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES OF RI INC | 475 KILVERT STREET WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $2K | $65K | $67K | 3.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NEW ENGLAND, INC. | 475 KILVERT STREET STE 205 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $5K | — | $5K | 2.89% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE STREET STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $10K | $3K | $13K | 16.90% |
| RUSSO GROUP LLC3 | 875 3RD AVE FL23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $1K | $158 | $1K | 1.97% |
| TIMOTHY G MCCAHAN3 | 275 PROMENADE STREET STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $1K | $282 | $1K | 1.88% |
| PETER J WARREN3 | 275 PROMENADE STREET STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $928 | $333 | $1K | 1.69% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE STREET STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $4K | $953 | $5K | 18.78% |
| RUSSO GROUP LLC3 | 875 3RD AVE FL23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $446 | $54 | $500 | 1.98% |
| PETER J WARREN3 | 275 PROMENADE STREET STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $310 | $111 | $421 | 1.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 234662937 | VISION SERVICE PLAN | $1K | — | $1K | 5.03% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYER VAVIGATOR, LLC | 7979 OLD GEORGETWON RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $93 | — | $93 | 0.37% |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 339 | $1.9M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 323 | $157K |
| Vision | VISION SERVICE PLAN | 176 | $25K |
| Life insurance | NORTHWESTERN MUTUAL | 339 | $25K |
| Long-term disability | NORTHWESTERN MUTUAL | 277 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.