Form 5500 · Employee benefit plan · WEST GREENWICH, RI
MGC, LLC
The filing calls this plan MGC, LLC WELFARE PLAN.
MGC, LLC of WEST GREENWICH, RI is a 542-participant wholesale trade employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is PETER J MORAN. Coverage is written through BLUE CROSS BLUE SHIELD OF RHODE ISLAND and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 92-0858283 · plan 502 · plan year 2025, filed Jul 13, 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
Also declared: death benefits, 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 5 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF RHODE ISLAND, covers 507 people.
Reported premium across the insured contracts is $9,214,098, with $62,378 in disclosed broker commissions — about 0.7% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
PETER J MORAN is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF RHODE ISLAND, HARTFORD LIFE AND ACCIDENT, DELTA DENTAL OF RHODE ISLAND and FIDELITY SECURITY LIFE INSURANCE COMPANY. BLUE CROSS BLUE SHIELD OF RHODE ISLAND writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 641 | Jan 1, 2026 | $406,179 | $42,923 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 386 | Jan 1, 2026 | $43,118 | $9,726 |
| DELTA DENTAL OF RHODE ISLAND | Dental | 1,002 | Jan 1, 2026 | $350,884 | $7,357 |
| BLUE CROSS BLUE SHIELD OF RHODE ISLAND | Health | 507 | Jan 1, 2026 | $8,413,430 | $2,268 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 9 | Jan 1, 2026 | $487 | $104 |
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.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
How this plan compares
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Renewal calendar
170 other employer plans in Rhode Island are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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