Form 5500 · Employee benefit plan · PROVIDENCE, RI
CARE NEW ENGLAND
The filing calls this plan CARE NEW ENGLAND FLEXIBLE BENEFITS PLAN.
CARE NEW ENGLAND of PROVIDENCE, RI spreads its employee benefits across 6 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is AON CONSULTING. Coverage is written through BLUE CROSS BLUE SHIELD OF RHODE ISLAND and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 05-0490997 · plan 510 · plan year 2025, filed Sep 3, 2026
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170 other employer plans in Rhode Island have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Dental: the largest of the 41 insured dental contracts, with DELTA DENTAL OF RHODE ISLAND, covers 7 of 5,167 participants (0.1%) on Schedule A.
Also declared: prepaid legal, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 50 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF RHODE ISLAND, covers 8,538 people.
Reported premium across the insured contracts is $87,723,613, with $428,722 in disclosed broker commissions — about 0.5% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in May. The plan is on a split renewal cycle.
AON CONSULTING is the broker of record on 6 of the 50 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF RHODE ISLAND, SUN LIFE ASSURANCE COMPANY OF CANADA, VISION SERVICE PLAN and METROPOLITAN GENERAL INSURANCE COMPANY. BLUE CROSS BLUE SHIELD OF RHODE ISLAND writes the largest contract by premium.
Schedule A insurance contracts
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF RHODE ISLAND, contract 001002875. For the contract year on this filing, the carrier reported $85,023,988 in premium earned and $83,361,526 in claims incurred. Dividing one by the other gives 98%.
VISION SERVICE PLAN, contract 30070527. For the contract year on this filing, the carrier reported $408,387 in premium earned and $333,767 in claims incurred. Dividing one by the other gives 82%.
- BLUE CROSS BLUE SHIELD OF RHODE ISLAND, contract 001002875 reported $1,662,461 in retention.
- VISION SERVICE PLAN, contract 30070527 reported $61,261 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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