| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $5K | $12K | $17K | 0.84% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $6K | $2K | $8K | 6.12% |
| LEE P. TRAIBMAN3 | 275 PROMENADE STRET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 4.51% |
| MARK W. SWISTAK3 | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 4.51% |
| FRIELING INS AGY INC3 | 55 WILLIAM STREET SUITE 100 WELLESLEY, ME 02481 | NORTHWESTERN MUTUAL | $4K | $674 | $5K | 3.91% |
| JEFFREY ROBERT DAW3 | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $583 | $138 | $721 | 0.57% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 2.86% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 2.86% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 2.86% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $933 | — | $933 | 2.86% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGALND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $1K | — | $1K | 4.81% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $160 | $40 | $200 | 4.73% |
| LEE P. TRAIBMAN3 Filed as: LEE P TRAIBMAN | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $120 | $28 | $148 | 3.50% |
| MARK W. SWISTAK3 | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $120 | $28 | $148 | 3.50% |
| FRIELING INS AGY INC3 Filed as: FRIELING INS AGY INC. | 55 WILLIAM STREET SUITE 100 WELLESLEY, MA 02481 | NORTHWESTERN MUTUAL | $86 | $12 | $98 | 2.32% |
| JEFFREY ROBERT DAW3 | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $33 | $8 | $41 | 0.97% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $12 | — | $12 | 2.86% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 203 | $2.0M |
| Dental(5 contracts) | DELTA DENTAL OF RHODE ISLAND | 124 | $163K |
| Vision | VISION SERVICE PLAN | 172 | $28K |
| Short-term disability | NORTHWESTERN MUTUAL | 289 | $4K |
| Long-term disability | NORTHWESTERN MUTUAL | 289 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.