| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVIDER INSURANCE3 | 275 PROMENADE STREET PROVIDENCE, RI 02908 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $55K | — | $55K | 4.72% |
| PGIA, INC DBA PROVIDER INSURANCE3 | 160 GOULD STREET STE 130 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $4K | — | $4K | 3.27% |
| JEROME TAYLOR STOWE3 | 275 PROMENADE STREET STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $4K | $1K | $6K | 7.74% |
| FRIELING INS AGY INC3 Filed as: FRIELING INS AGNCY INC | 55 WILLIAM STREET STE 100 WELLESLEY, MA 02481 | NORTHWESTERN MUTUAL | $987 | $236 | $1K | 1.70% |
| TIMOTHY G MCCAHAN3 | 275 PROMENADE STREET STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $494 | $124 | $618 | 0.86% |
| JEREMY STOWE3 | 275 PROMENADE ST STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $2K | $611 | $3K | 18.78% |
| FRIELING INS AGY INC3 Filed as: FRIELING INS AGNCY INC | 55 WILLIAMS STREET STE 100 WELLESLEY, MA 02481 | NORTHWESTERN MUTUAL | $485 | $116 | $601 | 3.72% |
| PROVIDER INSURANCE GROUP, LLC3 Filed as: PROVIDER INSURANCE GROUP | 275 PROMENADE STREET PROVIDENCE, RI 029085751 | VISION SERVICE PLAN | $927 | — | $927 | 6.50% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $32 | — | $32 | 0.22% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 221 | $1.2M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 193 | $110K |
| Vision | VISION SERVICE PLAN | 102 | $14K |
| Life insurance | NORTHWESTERN MUTUAL | 288 | $16K |
| Long-term disability | NORTHWESTERN MUTUAL | 250 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.