| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $2K | $59K | $61K | 2.77% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE ST., STE. 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $10K | $3K | $13K | 7.51% |
| LEE P. TRAIBMAN3 | 275 PROMENADE ST., STE. 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $8K | $2K | $9K | 5.63% |
| MARK W. SWISTAK3 | 275 PROMENADE ST., STE. 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $8K | $2K | $9K | 5.63% |
| FRIELING INS AGY INC3 Filed as: FRIELING INS. AGENCY INC. | 55 WILLIAM ST., STE. 100 WELLESLEY, ME 02481 | NORTHWESTERN MUTUAL | $3K | $964 | $4K | 2.40% |
| RUSSO GROUP LLC3 | 8573 3RD AVE FL 23N NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $2K | $219 | $2K | 1.22% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $4K | $0 | $4K | 2.77% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.38% |
| EMPLOYEE NAVIGATOR, LLC5 | 7979 OLD GEORGETOWN RD., STE. 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $172 | $0 | $172 | 0.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | DELTA DENTAL OF RHODE ISLAND | $671 | $0 | $671 | 2.77% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE ST., STE. 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $11 | $3 | $14 | 7.65% |
| MARK W. SWISTAK3 Filed as: MARK SWISTAK | 275 PROMENADE ST., STE. 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $8 | $2 | $10 | 5.46% |
| LEE P. TRAIBMAN3 Filed as: LEE TRAIBMAN | 275 PROMENADE ST., STE. 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $8 | $2 | $10 | 5.46% |
| FRIELING INS AGY INC3 Filed as: FRIELING INS. AGY. INC. | 55 WILLIAM ST., STE. 100 WELLESLEY, MA 02481 | NORTHWESTERN MUTUAL | $4 | $1 | $5 | 2.73% |
| RUSSO GROUP LLC3 | 8573 3RD AVE FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $1 | $0 | $1 | 0.55% |
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 | 378 | 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) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 383 | $2.2M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 384 | $182K |
| Vision | VISION SERVICE PLAN | 203 | $34K |
| Short-term disability | NORTHWESTERN MUTUAL | 0 | $183 |
| Long-term disability | NORTHWESTERN MUTUAL | 378 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.