| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVIDER INSURANCE3 | 275 PROMENADE STREET PROVIDENCE, RI 02908 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $31K | $31K | 2.17% |
| PROVIDER INSURANCE3 | 160 GOULD STREET, SUITE 122 NEEDHAM, MA 02494 | DELTA DENTAL OF RHODE ISLAND | $3K | $0 | $3K | 1.69% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET BUILDING B, SUITE 205 WARWICK, RI 02886 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 5.74% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 2.96% |
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 2.38% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 296 | $1.4M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 312 | $154K |
| Vision | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 296 | $1.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 205 | $80K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 205 | $80K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 296 | $1.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 296 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.