| 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 | $0 | $57K | $57K | 0.72% |
| AXIA CAPITOL INSURANCE ADVISORS INC3 | 32 RED HAWK DRIVE CRANSTON, RI 02921 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $54K | $54K | 0.67% |
| ATLANTIC RESOURCE GROUP LLC3 Filed as: ATLANTIC RESOURCE GROUP, LLC | 671 MAIN STREET MEDFIELD, MA 02052 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $43K | $43K | 0.53% |
| PETER J. MORAN3 | 100 MAIN STREET, SUITE 312 AMESB, MA 01913 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 3.61% |
| AXIA CAPITOL INSURANCE ADVISORS INC3 | 420 SCRABBLETOWN ROAD, SUITE C NORTH KINGSTOWN, RI 02852 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 3.59% |
| PETER J. MORAN3 | 100 MAIN STREET, SUITE 312 AMESBURY, MA 01913 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 3.06% |
| ATLANTIC RESOURCE GROUP LLC3 Filed as: ATLANTIC RESOURCE GROUP, LLC | 8 MOCKINGBIRD LANE KENNEBUNK, ME 04043 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 1.30% |
| AXIA INSURANCE SERVICES, INC.3 | 420 SCRABBLETOWN ROAD, SUITE C NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 0.70% |
| ATLANTIC RESOURCE GROUP LLC3 Filed as: ATLANTIC RESOURCE GROUP, LLC | 100 MAIN STREET, SUITE 312 AMESBURY, MA 01913 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 6.98% |
| JOSEPH SINAPI3 Filed as: JOSEPH D'AMICO | 32 RED HAWK DRIVE CRANSTON, RI 02921 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 3.49% |
| ATLANTIC RESOURCE GROUP LLC3 Filed as: ATLANTIC RESOURCE GROUP, LLC | 8 MOCKINGBIRD LANE KENNEBUNK, ME 04043 | DELTA DENTAL OF RHODE ISLAND | $777 | — | $777 | 1.30% |
| AXIA INSURANCE SERVICES, INC.3 | 420 SCRABBLETOWN ROAD, SUITE C NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $419 | — | $419 | 0.70% |
| ATLANTIC RESOURCE GROUP LLC3 Filed as: ATLANTIC RESOURCE GROUP, LLC | 8 MOCKINGBIRD LANE KENNEBUNK, ME 04043 | DELTA DENTAL OF RHODE ISLAND | $677 | — | $677 | 1.30% |
| AXIA INSURANCE SERVICES, INC.3 | 420 SCRABBLETOWN ROAD, SUITE C NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $365 | — | $365 | 0.70% |
| ATLANTIC RESOURCE GROUP LLC3 Filed as: ATLANTIC RESOURCE GROUP, LLC | 8 MOCKINGBIRD LANE KENNEBUNK, ME 04043 | DELTA DENTAL OF RHODE ISLAND | $584 | — | $584 | 1.30% |
| AXIA INSURANCE SERVICES, INC.3 | 420 SCRABBLETOWN ROAD, SUITE C NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $315 | — | $315 | 0.70% |
| ATLANTIC RESOURCE GROUP LLC3 Filed as: ATLANTIC RESOURCE GROUP, LLC | 8 MOCKINGBIRD LANE KENNEBUNK, ME 04043 | DELTA DENTAL OF RHODE ISLAND | $200 | — | $200 | 1.30% |
| AXIA INSURANCE SERVICES, INC.3 | 420 SCRABBLETOWN ROAD, SUITE C NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $108 | — | $108 | 0.70% |
| ATLANTIC RESOURCE GROUP LLC3 Filed as: ATLANTIC RESOURCE GROUP, LLC | 8 MOCKINGBIRD LANE KENNEBUNK, ME 04043 | DELTA DENTAL OF RHODE ISLAND | $176 | — | $176 | 1.30% |
| AXIA INSURANCE SERVICES, INC.3 | 420 SCRABBLETOWN ROAD, SUITE C NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $95 | — | $95 | 0.70% |
| ATLANTIC RESOURCE GROUP LLC3 Filed as: ATLANTIC RESOURCE GROUP, LLC | 8 MOCKINGBIRD LANE KENNEBUNK, ME 04043 | DELTA DENTAL OF RHODE ISLAND | $105 | — | $105 | 1.30% |
| AXIA INSURANCE SERVICES, INC.3 | 420 SCRABBLETOWN ROAD, SUITE C NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $57 | — | $57 | 0.71% |
| ATLANTIC RESOURCE GROUP LLC3 Filed as: ATLANTIC RESOURCE GROUP, LLC | 8 MOCKINGBIRD LANE KENNEBUNK, ME 04043 | DELTA DENTAL OF RHODE ISLAND | $98 | — | $98 | 1.32% |
| AXIA INSURANCE SERVICES, INC.3 | 420 SCRABBLETOWN ROAD, SUITE C NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $52 | — | $52 | 0.70% |
| ATLANTIC RESOURCE GROUP LLC3 Filed as: ATLANTIC RESOURCE GROUP, LLC | 8 MOCKINGBIRD LANE KENNEBUNK, ME 04043 | DELTA DENTAL OF RHODE ISLAND | $33 | — | $33 | 1.29% |
| AXIA INSURANCE SERVICES, INC.3 | 420 SCRABBLETOWN ROAD, SUITE C NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $18 | — | $18 | 0.70% |
| ATLANTIC RESOURCE GROUP LLC3 Filed as: ATLANTIC RESOURCE GROUP, LLC | 8 MOCKINGBIRD LANE KENNEBUNK, ME 04043 | DELTA DENTAL OF RHODE ISLAND | $6 | — | $6 | 1.28% |
| AXIA INSURANCE SERVICES, INC.3 | 420 SCRABBLETOWN ROAD, SUITE C NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $3 | — | $3 | 0.64% |
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 | 738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 738 | $8.4M |
| Dental(10 contracts) | DELTA DENTAL OF RHODE ISLAND | 435 | $366K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 866 | $60K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 738 | $416K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 738 | $416K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 738 | $416K |
| Other | HARTFORD LIFE AND ACCIDENT | 738 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 866 | — |
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.