| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES JOSEPH RAIOLA3 | 125 METRO CENTER BLVD STE 3000 WARWICK, RI 028861772 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 2.25% |
| AUSTIN RAIOLA3 | 125 METRO CENTER BLVD STE 3000 WARWICK, RI 028861772 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 0.75% |
| JAMES RAIOLA3 | 125 METRO CTR BLV STE 3000 WARWICK, RI 02886 | ALTUS DENTAL INSURANCE COMPANY, INC. | $3K | — | $3K | 2.57% |
| PAULINE PLANTE3 | 125 METRO CTR BLVD STE 3000 WARWICK, RI 02886 | ALTUS DENTAL INSURANCE COMPANY, INC. | $3K | — | $3K | 2.57% |
| JAMES RAIOLA3 | 125 METRO CTR BLVD STE 3000 WARWICK, RI 02886 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 10.09% |
| JAY RAIOLA3 | 125 METRO CENTER BLVD STE 3000 WARWICK, RI 028861772 | VISION SERVICE PLAN | $992 | — | $992 | 5.89% |
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 | 299 | 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) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 299 | $1.6M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 303 | $111K |
| Vision | VISION SERVICE PLAN | 141 | $17K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 186 | $83K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 186 | $83K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 186 | $83K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 186 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.