Form 5500 · Employee benefit plan · WARWICK, RI
ORTHOPEDICS RHODE ISLAND, INC.
The filing calls this plan ORTHOPEDICS RHODE ISLAND, INC. EMPLOYEE BENEFITS PLAN.
ORTHOPEDICS RHODE ISLAND, INC. of WARWICK, RI spreads its employee benefits across 7 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is RSC INSURANCE BROKERAGE INC. Coverage is written through BLUE CROSS BLUE SHIELD OF RHODE ISLAND and 6 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 47-2361569 · plan 501 · plan year 2025, filed Apr 17, 2026
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16 other employer plans in Rhode Island have policy years ending in September. 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
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 10 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF RHODE ISLAND, covers 413 people.
Reported premium across the insured contracts is $4,636,011, with $260,817 in disclosed broker commissions — about 5.6% of premium.
The most recent policy period ended in September, and the plan year ends September 30. Group contracts typically renew on that annual cycle.
RSC INSURANCE BROKERAGE INC is the broker of record on 3 of the 10 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF RHODE ISLAND, SUN LIFE ASSURANCE COMPANY OF CANADA, DELTA DENTAL OF RHODE ISLAND and NORTHWESTERN MUTUAL. BLUE CROSS BLUE SHIELD OF RHODE ISLAND writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 1,478 | Oct 1, 2025 | $1,711,732 | $234,222 |
| NORTHWESTERN MUTUAL | Disability | 0 | Oct 1, 2025 | $40,612 | $10,104 |
| DELTA DENTAL OF RHODE ISLAND | Dental | 385 | Oct 1, 2025 | $184,250 | $6,817 |
| VISION SERVICE PLAN | Vision | 209 | Oct 1, 2025 | $38,954 | $2,259 |
| BLUE CROSS BLUE SHIELD OF RHODE ISLAND | Health | 413 | Oct 1, 2025 | $2,593,717 | $2,145 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 0 | Oct 1, 2025 | $12,154 | $1,822 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 0 | Oct 1, 2025 | $16,724 | $1,673 |
| DELTA DENTAL OF RHODE ISLAND | Dental | 73 | Oct 1, 2025 | $25,583 | $947 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | 25 | Oct 1, 2025 | $7,521 | $613 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 33 | Oct 1, 2025 | $4,764 | $215 |
Premium and claims on this contract
NORTHWESTERN MUTUAL, contract 700872. For the contract year on this filing, the carrier reported $40,612 in premium earned and $-106,899 in claims incurred. Dividing one by the other gives -263%.
- NORTHWESTERN MUTUAL, contract 700872 reported $147,511 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.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
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