| 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 | $9K | $50K | $59K | 0.71% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $6K | $2K | $7K | 7.02% |
| LEE P. TRAIBMAN3 | 275 PROMENADE STRET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 5.26% |
| MARK W. SWISTAK3 | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 5.26% |
| FRIELING INS AGY INC3 | 55 WILLIAM STREET SUITE 100 WELLESLEY, ME 02481 | NORTHWESTERN MUTUAL | $3K | $657 | $3K | 3.40% |
| 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 | $2K | — | $2K | 3.00% |
| 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 | 3.00% |
| 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 | $863 | — | $863 | 2.99% |
| 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 | 5.15% |
| 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 | $530 | — | $530 | 3.00% |
| 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 | $16 | — | $16 | 3.04% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | -$1 | — | -$1 | — |
| LEE P. TRAIBMAN3 Filed as: LEE P TRAIBMAN | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | -$1 | — | -$1 | — |
| MARK W. SWISTAK3 | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | -$1 | — | -$1 | — |
| FRIELING INS AGY INC3 | 55 WILLIAM STREET SUITE 100 WELLESLEY, MA 02481 | NORTHWESTERN MUTUAL | -$1 | — | -$1 | — |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 290 | $8.4M |
| Dental(5 contracts) | DELTA DENTAL OF RHODE ISLAND | 124 | $140K |
| Vision | VISION SERVICE PLAN | 142 | $24K |
| Short-term disability | NORTHWESTERN MUTUAL | 0 | $0 |
| Long-term disability | NORTHWESTERN MUTUAL | 232 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.