| 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 | $52K | $61K | $113K | 6.05% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $5K | $1K | $7K | 6.99% |
| LEE P. TRAIBMAN3 | 275 PROMENADE STRET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 5.24% |
| MARK W. SWISTAK3 | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 5.24% |
| FRIELING INS AGY INC3 | 55 WILLIAM STREET SUITE 100 WELLESLEY, ME 02481 | NORTHWESTERN MUTUAL | $3K | $617 | $3K | 3.50% |
| 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 | 2.88% |
| 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 | 2.88% |
| 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 | $929 | — | $929 | 2.88% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD., STE. 3001 WARWICK, RI 02886 | VISION SERVICE PLAN | $1K | — | $1K | 4.82% |
| 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 | $789 | — | $789 | 2.88% |
| 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 | $304 | — | $304 | 2.88% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $60 | $16 | $76 | 7.60% |
| LEE P. TRAIBMAN3 Filed as: LEE P TRAIBMAN | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $45 | $12 | $57 | 5.70% |
| MARK W. SWISTAK3 | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $45 | $12 | $57 | 5.70% |
| FRIELING INS AGY INC3 | 55 WILLIAM STREET SUITE 100 WELLESLEY, MA 02481 | NORTHWESTERN MUTUAL | $29 | $6 | $35 | 3.50% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 289 | $1.9M |
| Dental(5 contracts) | DELTA DENTAL OF RHODE ISLAND | 122 | $159K |
| Vision | VISION SERVICE PLAN | 135 | $28K |
| Short-term disability | NORTHWESTERN MUTUAL | 0 | $1K |
| Long-term disability | NORTHWESTERN MUTUAL | 235 | $99K |
| 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."
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.