Orthopedics Rhode Island, Inc.
Updated Filing received by DOL
Orthopedics Rhode Island, Inc., a healthcare & social assistance employer in Warwick, Rhode Island, reported 370 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $40,612 in insurance premiums across 10 contracts and $340,691 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on April 17, 2026, before the deadline.
Who was paid on Orthopedics 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 Orthopedics Rhode Island, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| RSC Insurance Brokerage Inc · Boston, MA | $156,078 | $77,348 | $233,426 | 7 |
| Emerson Rogers LLC · Blue Bell, PA | $85,533 | $0 | $85,533 | 1 |
| Risk Strategies Company · Boston, MA | $7,764 | $0 | $7,764 | 2 |
| Jeremy Taylor Stowe · Providence, RI | $3,481 | $849 | $4,330 | 2 |
| Lee P. Traibman · Providence, RI | $2,724 | $637 | $3,361 | 4 |
| Mark W. Swistak · Providence, RI | $2,526 | $637 | $3,163 | 1 |
| Peter J Warren · Providence, RI | $842 | $302 | $1,144 | 1 |
| Russo Group LLC · New York, NY | $842 | $101 | $943 | 1 |
| Jeremy Stowe · Providence, RI | $631 | $0 | $631 | 3 |
| Mark Swistak · Providence, RI | $198 | $0 | $198 | 3 |
| James King · Greenwich, RI | $94 | $0 | $94 | 1 |
| Employee Navigator, LLC · Bethesda, MD | $81 | $0 | $81 | 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 |
|---|---|---|---|---|
| Northwestern Mutuallong-term disability | — | $40,612 | $12,630 | 31.1% |
| Blue Cross Blue Shield of Rhode Islandhealth | 413 | — | $79,313 | — |
| Vision Service Planvision | 209 | — | $2,259 | — |
| Delta Dental of Rhode Islanddental | 73 | — | $947 | — |
| Delta Dental of Rhode Islanddental | 385 | — | $6,817 | — |
| Unum Life Insurance Company of Americalife | — | — | $1,777 | — |
| Unum Life Insurance Company of Americalife | — | — | $1,898 | — |
| Unum Life Insurance Company of Americacoverage not coded | 33 | — | $215 | — |
| Provident Life and Accident Insurance Companycoverage not coded | 25 | — | $613 | — |
| Sun Lifelife, short-term disability, long-term disability | 1,478 | — | $234,222 | — |
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 Orthopedics 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 | 378 | 370 | −2.1% |
| Premiums filed | $190,083 | $40,612 | not comparable |
| Broker commissions + fees | $111,725 | $340,691 | +204.9% |
| 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 |
|---|---|---|---|---|
| Orthopedics Rhode Island, Inc. Employee Benefits Plan#501 · insurance, general assets | September 30, 2025 | April 17, 2026 | before deadline | 370 |
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 Orthopedics Rhode Island, Inc. pay in health insurance broker commissions in 2024?
Orthopedics Rhode Island, Inc.'s 2024 Form 5500 reports $340,691 in broker commissions and fees across 10 insurance contracts ($260,817 in commissions, $79,874 in fees), with RSC Insurance Brokerage Inc receiving the largest share.
Is Orthopedics 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 Orthopedics Rhode Island, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Orthopedics 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.