| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PGIA, INC.3 | 275 PROMENADE STREET PROVIDENCE, RI 02908 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $16K | — | $16K | 2.40% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | 376 NEWPORT AVENUE EAST PROVIDENCE, RI 02914 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $7K | — | $7K | 1.09% |
| PGIA, INC.3 Filed as: PGIA, INC | 160 GOULD STREET STE 130 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 3.41% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE DBA PROVIDER INS. | PO BOX 1388 BANGOR, ME 04402 | DELTA DENTAL OF RHODE ISLAND | $457 | — | $457 | 0.68% |
| JEROME TAYLOR STOWE3 | 275 PROMENADE STREET STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 10.80% |
| FRIELING INS AGY INC3 Filed as: FRIELING INS AGNCY INC | 55 WILLIAM STREET STE 100 WELLESLEY, MA 02481 | NORTHWESTERN MUTUAL | $807 | $193 | $1K | 2.32% |
| TIMOTHY G MCCAHAN3 | 275 PROMENADE STREET STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $404 | $102 | $506 | 1.18% |
| PROVIDER INSURANCE GROUP, LLC3 Filed as: PROVIDER INSURANCE GROUP | 275 PROMENADE STREET PROVIDENCE, RI 029085751 | VISION SERVICE PLAN | $732 | — | $732 | 7.59% |
| JEREMY STOWE3 | 275 PROMENADE ST STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $809 | $201 | $1K | 16.13% |
| FRIELING INS AGY INC3 Filed as: FRIELING INS AGNCY INC | 55 WILLIAMS STREET STE 100 WELLESLEY, MA 02481 | NORTHWESTERN MUTUAL | $162 | $39 | $201 | 3.21% |
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 | 191 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 149 | $660K |
| Dental | DELTA DENTAL OF RHODE ISLAND | 133 | $67K |
| Vision | VISION SERVICE PLAN | 74 | $10K |
| Life insurance | NORTHWESTERN MUTUAL | 173 | $6K |
| Long-term disability | NORTHWESTERN MUTUAL | 159 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.