Warwick, Rhode Island employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
19 employers in Warwick, Rhode Island filed health plans with 100 or more participants for plan year 2024, covering 6,926 participants. They reported $283,017 in insurance premiums and $1.3M in broker commissions and fees. Against 2023, premiums were down 36.4% and broker pay fell 1.6%.
Funding: 4 fully insured · 6 self-funded · 9 mixed. 15 of 19 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Warwick
Warwick employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| J. Arthur Trudeau Memorial Center | $157,762 | $41,924 | 178 | The Hilb Group of New England, LLC |
| Claflin Service Company dba Cme Corporation | $84,643 | $159,153 | 154 | Starkweather and Shepley, Inc |
| Orthopedics Rhode Island, Inc. | $40,612 | $340,691 | 370 | RSC Insurance Brokerage Inc |
| Magna Hospitality Group, L.C. | $0 | $164,458 | 2,020 | Hays Companies |
| Corvias Corporate Services, LLC | $0 | $24,989 | 851 | USI Insurance Services |
| Kelly and Picerne, Inc. | $0 | $162,727 | 576 | NFP |
| Northeast Behavioral Associates | $0 | $43,081 | 478 | John-Robert-Pettengill |
| Rhode Island Medical Imaging, Inc. | $0 | $24,277 | 462 | Jennifer A. Borislow Ins Agcy |
| Newport Harbor Corporation | $0 | $125,243 | 294 | Starkweather & Shepley, Inc. |
| Thrive Behavioral Health, Inc | $0 | $17,093 | 265 | Pgia Inc |
| West Bay Residential Services, Inc. | $0 | $6,605 | 228 | Ajg Benefit Services |
| The Beacon Mutual Insurance Company | $0 | $43,003 | 191 | Hilb Group of New England |
| Atw Companies, Inc. | $0 | $19,155 | 170 | USI Insurance Services |
| Kenney Manufacturing Company | $0 | $72,335 | 153 | Hilb Group of New England |
| Rhode Island Parent Information Network, Inc. | $0 | $19,365 | 112 | Gallagher |
| National Refrigeration, Inc | $0 | — | 112 | — |
| Squadlocker, Inc | $0 | $17,214 | 108 | Bca Financial Group Inc |
| Marinosci Law Group, P.C. | $0 | $10,232 | 104 | Hilb Group of New England |
| Shoreham Bank | $0 | $50,548 | 100 | Hilb Group of New England |
Source: DOL Form 5500 Schedule A, plan year 2024; employers are grouped by the sponsor's mailing city as filed. Self-funded employers show only stop-loss and ancillary premium.
Who gets paid
Commissions and fees reported by Warwick employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| RSC Insurance Brokerage, Inc. | $233,426 | 1 |
| Starkweather and Shepley Inc | $225,812 | 3 |
| Hilb Group of New England | $210,811 | 7 |
| NFP | $143,001 | 1 |
| Emerson Rogers, LLC | $86,725 | 2 |
| Hays Companies | $55,685 | 1 |
| Brown & Brown | $45,702 | 1 |
| USI Insurance Services | $43,942 | 2 |
| Br203 Daniel J Pineau | $40,975 | 1 |
| Word & Brown Insurance | $24,655 | 1 |
Largest medical carriers
Medical premium written for these employers.
Warwick against Rhode Island and the U.S.
Medians over the same definitions on every BenefitsLedger page: commission rate on commission-paying, fully insured medical plans; broker pay per employer that disclosed any; medical premium per covered person.
| Warwick | Rhode Island | United States | |
|---|---|---|---|
| Employer plans | 19 | 195 | 58,547 |
| Median commission rate | n/a | 1.0% | 3.8% |
| Middle half of rates | n/a | 0.2% – 3.0% | 2.7% – 5.0% |
| Median broker pay per employer | $42,464 | $55,655 | $72,628 |
| Medical premium per covered person | n/a | n/a | $7,274 |
| Plans reporting no commission | 0 | 3 | 933 |
Year over year. In plan year 2023, 19 Warwick employers reported $445,305 in premiums and $1.4M in broker pay for 4,935 participants; in 2024 it was $283,017 and $1.3M for 6,926 participants (premiums −36.4%, broker pay −1.6%).
Source: DOL Form 5500 and Schedule A, plan years 2024 and 2023, employer health plans with 100 or more participants; built October 24, 2026. Medians need at least 10 rated plans to be shown for a city. Methodology.
How much do Warwick employers pay health insurance brokers?
19 Warwick employers reported $1,342,093 in broker commissions and fees on their 2024 Form 5500 filings, 18 of them disclosing at least some compensation. Too few fully insured medical plans in Warwick reported premium to compute a stable commission rate; the Rhode Island median is 1.0% and the U.S. median is 3.8%. In dollars, the median Warwick employer that disclosed broker pay reported $42,464.
Which Warwick employers have the largest health plans?
By insurance premium reported for 2024, J. Arthur Trudeau Memorial Center ($157,762), Claflin Service Company dba Cme Corporation ($84,643), Orthopedics Rhode Island, Inc. ($40,612) lead. 19 Warwick employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Warwick?
By compensation reported by Warwick employers, the largest brokers are RSC Insurance Brokerage, Inc. ($233,426, 1 plans), Starkweather and Shepley Inc ($225,812, 3 plans), Hilb Group of New England ($210,811, 7 plans). By medical premium, the largest carriers are Unitedhealthcare Insurance Company, Blue Cross Blue Shield of Rhode Island, Harvard Pilgrim Health Care.
Are Warwick employer health plans self-funded or fully insured?
Of 19 Warwick employer plans, 4 are fully insured, 6 are self-funded and 9 mix insured and self-funded coverage. Self-funded plans report only stop-loss and ancillary contracts on Schedule A, so their premium and broker pay understate total spend.
Other cities in Rhode Island
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