| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMIE MORAN3 | 275 PROMENADE STREET PROVIDENCE, RI 02908 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $19K | — | $19K | 3.66% |
| PROVIDER INSURANCE3 | 160 GOULD STREET STE 130 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 3.74% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | DELTA DENTAL OF RHODE ISLAND | $564 | — | $564 | 1.25% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE STREET STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $3K | $975 | $4K | 12.47% |
| FRIELING INS AGY INC3 Filed as: FRIELING INS AGNCY INC | 55 WILLIAM STREET STE 100 WELLESLEY, MA 02481 | NORTHWESTERN MUTUAL | $776 | $186 | $962 | 2.68% |
| TIMOTHY G MCCAHAN3 | 275 PROMENADE STREET STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $388 | $98 | $486 | 1.36% |
| PROVIDER INSURANCE GROUP, LLC3 Filed as: PROVIDER INSURANCE GROUP | 275 PROMENADE STREET PROVIDENCE, RI 029085751 | VISION SERVICE PLAN | $609 | — | $609 | 8.66% |
| JEREMY STOWE3 | 275 PROMENADE ST STE 300 PROVIDENCE, RI 02908 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 35.79% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 112 | $525K |
| Dental | DELTA DENTAL OF RHODE ISLAND | 85 | $45K |
| Vision | VISION SERVICE PLAN | 50 | $7K |
| Life insurance | STANDARD INSURANCE COMPANY | 122 | $4K |
| Long-term disability | NORTHWESTERN MUTUAL | 131 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.