| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | $0 | $29K | 2.26% |
| JAMES JOSEPH RAIOLA3 | 125 METRO CENTER BLVD STE 3000 WARWICK, RI 02886 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.38% |
| PAULINE PLANTE3 Filed as: PAULINE F PLANTE | 125 METRO CENTER BLVD STE 3000 WARWICK, RI 02886 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 5.60% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES J RAIOLA | 125 METRO CENTER BLVD STE 3000 WARWICK, RI 02886 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 2.40% |
| PAULINE PLANTE3 Filed as: PAULINE F PLANTE | 17 BRIDLE CT HOPE, RI 02831 | SUN LIFE ASSURANCE COMPANY OF CANADA | $704 | $0 | $704 | 0.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE NEW YORK, NY 10017 | DELTA DENTAL OF RHODE ISLAND | $2K | $0 | $2K | 2.61% |
| JAMES RAIOLA3 | 125 METRO CENTER BLVD STE 3000 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $436 | $0 | $436 | 0.50% |
| PAULINE PLANTE3 | 125 METRO CENTER BLVD STE 3000 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $436 | $0 | $436 | 0.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | $650 | $0 | $650 | 100.00% |
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 | 321 | 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) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $1.3M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 325 | $87K |
| Vision | VISION SERVICE PLAN | 146 | $650 |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 321 | $94K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 321 | $94K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 321 | $94K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 321 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.