Family Service of Rhode Island, Inc.
Updated Filing received by DOL
Family Service of Rhode Island, Inc., an other services employer in Providence, Rhode Island, reported 262 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $48,636 in insurance premiums across 4 contracts and $67,084 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on January 14, 2026, before the deadline.
Who was paid on Family Service of Rhode Island, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Family Service of Rhode Island, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| USI Insurance Services · Warwick, RI | $8,237 | $58,070 | $66,307 | 3 |
| Rodney Brusini · Warren, RI | $777 | $0 | $777 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Standard Insurance Companylife, long-term disability | 261 | $48,636 | $9,550 | 19.6% |
| Blue Cross Blue Shield of Rhode Islandhealth, prescription drug | 356 | — | $55,143 | — |
| Vision Service Planvision | 152 | — | $1,614 | — |
| Equitable Financial Life Insurance Company of Americalife, long-term disability | 256 | — | $777 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Family Service of Rhode Island, Inc. compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 215 | 262 | +21.9% |
| Premiums filed | $0 | $48,636 | not comparable |
| Broker commissions + fees | $59,292 | $67,084 | +13.1% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Family Service of Ri Welfare Plan#502 · insurance, general assets | June 30, 2025 | January 14, 2026 | before deadline | 262 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Family Service of Rhode Island, Inc. pay in health insurance broker commissions in 2024?
Family Service of Rhode Island, Inc.'s 2024 Form 5500 reports $67,084 in broker commissions and fees across 4 insurance contracts ($9,014 in commissions, $58,070 in fees), with USI Insurance Services receiving the largest share.
Is Family Service of Rhode Island, Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Blue Cross Blue Shield of Rhode Island.
How does Family Service of Rhode Island, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Family Service of Rhode Island, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.