| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02901 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $2K | $22K | $24K | 1.42% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.18% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.49% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE | PO BOX 549 PROVIDENCE, RI 02901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $47 | $1K | 4.55% |
| J KING INSURANCE INC3 | THE ENROLLMENT NETWORK EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $625 | $99 | $724 | 2.48% |
| THERESA CATHERINE MACMILLAN3 | 650 EAST GREENWICH AVENUE APARTMENT 3-208 WEST WARWICK, RI 02893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | $2 | $244 | 0.84% |
| LAURIE SEUBERT3 Filed as: LAURIE SEUBERT-LEMIRE | 5853 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | $18 | $233 | 0.80% |
| MICHAEL R ACKERMAN3 | 275 COMMERCE DRIVE SUITE 301 FORT WASHINGTON, PA 19034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | — | $145 | 0.50% |
| JAMES R SMITH INSURANCE LTD3 | 5853 POST ROAD SUITE 203 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 0.42% |
| IRCANIA VALERA3 | 90 LIGHT STREET APARTMENT 11 LYNN, MA 01905 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.32% |
| CYNTHIA SUSANNE EVERY3 | 212 WEST DUNCAN STREET MANCHESTER, MI 48158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.05% |
| ANA MILENA ST LOUIS3 | 79 B STREET DRACUT, MA 01826 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BOULEVARD PO BOX 549 EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $916 | — | $916 | 10.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $442 | $442 | 5.50% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $450 | — | $450 | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $165 | $165 | 5.50% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $43 | — | $43 | 9.89% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $24 | $24 | 5.52% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 135 | $1.7M |
| Vision | DELTA DENTAL OF RHODE ISLAND | 161 | $9K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 168 | $73K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 42 | $30K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 42 | $37K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.