| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVIDER INSURANCE3 | PO BOX 1388 BANGOR, ME 044021388 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $64K | — | $64K | 4.53% |
| PGIA, INC DBA PROVIDER INSURANCE3 | 160 GOULD STREET STE 130 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $4K | — | $4K | 3.07% |
| JEROME TAYLOR STOWE3 | 275 PROMENADE STREET STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $6K | $1K | $7K | 9.90% |
| FRIELING INS AGY INC3 Filed as: FRIELING INS AGNCY INC | 55 WILLIAM STREET STE 100 WELLESLEY, MA 02481 | NORTHWESTERN MUTUAL | $1K | $301 | $2K | 2.18% |
| TIMOTHY G MCCAHAN3 | 275 PROMENADE STREET STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $628 | $158 | $786 | 1.10% |
| PGIS, INC.3 | PO BOX 1388 BANGOR, ME 044021388 | VISION SERVICE PLAN | $1K | — | $1K | 5.35% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $114 | — | $114 | 0.52% |
| JEREMY STOWE3 | 275 PROMENADE ST STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $3K | $746 | $4K | 18.78% |
| FRIELING INS AGY INC3 Filed as: FRIELING INS AGNCY INC | 55 WILLIAMS STREET STE 100 WELLESLEY, MA 02481 | NORTHWESTERN MUTUAL | $592 | $142 | $734 | 3.72% |
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 | 280 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 271 | $1.4M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 243 | $131K |
| Vision | VISION SERVICE PLAN | 155 | $22K |
| Life insurance | NORTHWESTERN MUTUAL | 327 | $20K |
| Long-term disability | NORTHWESTERN MUTUAL | 272 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.