| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET WARWICK, RI 02818 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $5K | $49K | $54K | 1.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $3K | $13K | 12.40% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | VISION SERVICE PLAN | $753 | $0 | $753 | 2.54% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $642 | $0 | $642 | 2.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 30.81% |
| DEBRA DALY3 | 110 JEFFERSON BOULEVARD, UNIT J WARWICK, RI 02888 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 23.33% |
| JAMES F. COTTER3 | 14 PRIMROSE DRIVE CRANSTON, RI 02921 | CONTINENTAL AMERICAN INSURANCE COMPANY | $687 | $0 | $687 | 4.85% |
| KEVIN MCCARTHY3 Filed as: KEVIN T. MCCARTHY | 197 LANG DRIVE NORTHKINGSTOWN, RI 02852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $377 | $0 | $377 | 2.66% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 455 | $2.8M |
| Vision | VISION SERVICE PLAN | 184 | $30K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $108K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $108K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $108K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 455 | $2.8M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.