Form 5500 · Employee benefit plan · PROVIDENCE, RI
UNIVERSITY ORTHOPEDICS, INC.
The filing calls this plan UNIVERSITY ORTHOPEDICS, INC. EMPLOYEE BENEFIT PLAN.
UNIVERSITY ORTHOPEDICS, INC. of PROVIDENCE, RI is a 654-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is HOLLOWTREE HOLDINGS CORPORATION. Coverage is written through BLUE CROSS BLUE SHIELD OF RHODE ISLAND and 2 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 05-0447454 · plan 502 · plan year 2025, filed Oct 27, 2025
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16 other employer plans in Rhode Island have policy years ending in March. 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: 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.
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 1,090 people.
Reported premium across the insured contracts is $11,061,073, with $243,767 in disclosed broker commissions — about 2.2% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
HOLLOWTREE HOLDINGS CORPORATION is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF RHODE ISLAND, RELIANCE MATRIX and UNUM LIFE INSURANCE COMPANY OF AMERICA. BLUE CROSS BLUE SHIELD OF RHODE ISLAND writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIANCE MATRIX | Life, Disability | 666 | Apr 1, 2025 | $724,586 | $123,180 |
| BLUE CROSS BLUE SHIELD OF RHODE ISLAND | Health | 1,090 | Apr 1, 2025 | $9,708,806 | $99,629 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 443 | Apr 1, 2025 | $130,465 | $20,958 |
| BLUE CROSS BLUE SHIELD OF RHODE ISLAND | Dental | 1,169 | Apr 1, 2025 | $455,353 | $0 |
| BLUE CROSS BLUE SHIELD OF RHODE ISLAND | Vision | 965 | Mar 2, 2025 | $41,863 | $0 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF RHODE ISLAND, contract 001000709. For the contract year on this filing, the carrier reported $9,708,806 in premium earned and $8,014,271 in claims incurred. Dividing one by the other gives 83%.
BLUE CROSS BLUE SHIELD OF RHODE ISLAND, contract 001000709. For the contract year on this filing, the carrier reported $455,353 in premium earned and $395,256 in claims incurred. Dividing one by the other gives 87%.
- BLUE CROSS BLUE SHIELD OF RHODE ISLAND, contract 001000709 reported $1,694,534 in retention.
- BLUE CROSS BLUE SHIELD OF RHODE ISLAND, contract 001000709 reported $60,098 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
How this plan compares
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Renewal calendar
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