| 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 | $4K | $13K | $17K | 5.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NEW ENGLAND, INC. | 475 KILVERT STREET STE 205 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $773 | — | $773 | 2.87% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 234662937 | SERVICE VISION PLAN | $76 | — | $76 | 1.77% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYER VAVIGATOR, LLC | 7979 OLD GEORGETWON RD STE 300 BETHESDA, MD 208142554 | SERVICE VISION PLAN | $11 | — | $11 | 0.26% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE STREET STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $975 | $246 | $1K | — |
| RUSSO GROUP LLC3 | 875 3RD AVE FL23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $195 | $23 | $218 | — |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE STREET STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $3K | $668 | $3K | — |
| RUSSO GROUP LLC3 | 875 3RD AVE FL23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $589 | $71 | $660 | — |
| TIMOTHY G MCCAHAN3 | 275 PROMENADE STREET STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $294 | $74 | $368 | — |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 333 | $323K |
| Dental | DELTA DENTAL OF RHODE ISLAND | 316 | $27K |
| Vision | SERVICE VISION PLAN | 179 | $4K |
| Life insurance | NORTHWESTERN MUTUAL | 0 | $0 |
| Long-term disability | NORTHWESTERN MUTUAL | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.
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.