| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER J. MORAN3 | 671 MAIN STREET MEDFIELD, MA 02052 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $80K | $80K | 0.95% |
| AXIA INSURANCE SERVICES, INC.3 | 32 RED HAWK DRIVE CRANSTON, RI 02921 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $2K | $43K | $45K | 0.54% |
| PETER J. MORAN3 Filed as: PETER J MORAN | 8 MOCKINGBIRD LN KENNEBUNK, ME 04043 | HARTFORD LIFE AND ACCIDENT | $28K | — | $28K | 6.87% |
| AXIA INSURANCE SERVICES, INC.3 Filed as: AXIA CAPITOL INSURANCE ADVISORS | 300 JEFFERSON BLVD SUITE 101 WARWICK, RI 02888 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 3.70% |
| PETER MORAN3 | 8 MOCKINGBIRD LN KENNEBUNK, ME 04043 | DELTA DENTAL OF RHODE ISLAND | $5K | — | $5K | 1.36% |
| AXIA INSURANCE SERVICES, INC.3 Filed as: AXIA INSURANCE SERVICES INC. | 300 JEFFERSON BLVD WARWICK, RI 02888 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 0.73% |
| PETER MORAN3 Filed as: PETER MORAN - BOR | 8 MOCKINGBIRD LANE KENNEBUNK, ME 04043 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 11.28% |
| AXIA GROUP INSURANCE SERVICES, INC.3 | 84 MYRON STREET SUITE A WEST SPRINGFIELD, MA 01089 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 11.28% |
| AXIA GROUP INSURANCE SERVICES, INC.3 | 84 MYRON STREET SUITE A WEST SPRINGFIELD, MA 01089 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $52 | — | $52 | 10.68% |
| PETER MORAN3 Filed as: PETER MORAN - BOR | 8 MOCKINGBIRD LANE KENNEBUCK, ME 04043 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $52 | — | $52 | 10.68% |
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 | 515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 507 | $8.4M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 1,002 | $351K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 386 | $44K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 641 | $406K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 641 | $406K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 641 | $406K |
| Other | HARTFORD LIFE AND ACCIDENT | 641 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,002 | — |
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.