| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $2K | $77K | $79K | 3.06% |
| RSC INSURANCE BROKERAGE INC3 | 80 WEST CENTURY RD SUITE 301 PARAMUS, NJ 07652 | SUN LIFE | $149K | $0 | $149K | 8.69% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | SUN LIFE | $86K | $0 | $86K | 5.00% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | DELTA DENTAL OF RHODE ISLAND | $7K | $0 | $7K | 3.70% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE ST., STE. 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $3K | $849 | $4K | 10.38% |
| LEE P. TRAIBMAN3 | 275 PROMENADE ST., STE. 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $3K | $637 | $3K | 7.79% |
| MARK W. SWISTAK3 | 275 PROMENADE ST., STE. 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $3K | $637 | $3K | 7.79% |
| PETER J WARREN3 | 275 PROMENADE ST STE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $842 | $302 | $1K | 2.82% |
| RUSSO GROUP LLC3 | 8573 3RD AVE FL 23N NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $842 | $101 | $943 | 2.32% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $2K | $0 | $2K | 5.59% |
| EMPLOYEE NAVIGATOR, LLC5 | 7979 OLD GEORGETOWN RD., STE. 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $81 | $0 | $81 | 0.21% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | DELTA DENTAL OF RHODE ISLAND | $947 | $0 | $947 | 3.70% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $104 | $1K | 8.93% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE ST., STE. 300 PROVIDENCE, RI 02908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $113 | $0 | $113 | 0.68% |
| MARK W. SWISTAK3 Filed as: MARK SWISTAK | 275 PROMENADE ST., STE. 300 PROVIDENCE, RI 02908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $85 | $0 | $85 | 0.51% |
| LEE P. TRAIBMAN3 Filed as: LEE TRAIBMAN | 275 PROMENADE ST., STE. 300 PROVIDENCE, RI 02908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $85 | $0 | $85 | 0.51% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $76 | $2K | 13.17% |
| JEREMY STOWE3 | 275 PROMENADE ST., STE. 300 PROVIDENCE, RI 02908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $119 | $0 | $119 | 0.98% |
| LEE P. TRAIBMAN3 Filed as: LEE TRAIBMAN | 275 PROMENADE ST., STE. 300 PROVIDENCE, RI 02908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $89 | $0 | $89 | 0.73% |
| MARK W. SWISTAK3 Filed as: MARK SWISTAK | 275 PROMENADE ST., STE. 300 PROVIDENCE, RI 02908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $89 | $0 | $89 | 0.73% |
| JEREMY STOWE3 | 275 PROMENADE ST PROVIDENCE, RI 02908 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $375 | $0 | $375 | 4.99% |
| JAMES R SMITH INSURANCE LTD3 Filed as: JAMES KING | 5835 POST RD STE 214 GREENWICH, RI 02818 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $94 | $0 | $94 | 1.25% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $73 | $0 | $73 | 0.97% |
| MARK W. SWISTAK3 Filed as: MARK SWISTAK | 275 PROMENADE ST., STE. 300 PROVIDENCE, RI 02908 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.32% |
| LEE P. TRAIBMAN3 Filed as: LEE TRAIBMAN | 275 PROMENADE ST. PROVIDENCE, RI 02908 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.32% |
| ACCESS ENROLL3 | 33 LANDAU RD PLAINVILLE, MA 02762 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.31% |
| JEREMY STOWE3 | 275 PROMENADE ST., STE. 300 PROVIDENCE, RI 02908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $137 | $0 | $137 | 2.88% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $78 | $0 | $78 | 1.64% |
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 | 413 | 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) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 413 | $2.6M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 385 | $210K |
| Vision | VISION SERVICE PLAN | 209 | $39K |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE | 1,478 | $1.7M |
| Short-term disability | SUN LIFE | 1,478 | $1.7M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE | 1,478 | $1.8M |
| Other(5 contracts, 3 carriers) | SUN LIFE | 1,478 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,478 | — |
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.