| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BR1503 | PO BOX 549 PROVIDENCE, RI 02901 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $6K | $34K | $40K | 1.68% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $4K | — | $4K | 3.07% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE BR | PO BOX 549 PROVIDENCE, RI 02901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $674 | $6K | 14.72% |
| J KING INSURANCE INC3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $937 | $3K | 7.13% |
| JAMES R SMITH INSURANCE LTD3 | 5835 POST ROAD SUITE 214 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $919 | $465 | $1K | 3.68% |
| THERESA CATHERINE MACMILLAN3 | 650 EAST GREENWICH AVENUE WEST WARWICK, RI 02893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $56 | $1K | 3.20% |
| LAURIE SEUBERT3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $792 | $304 | $1K | 2.91% |
| BEIYANIL E PENA3 | 115 POCASSET AVENUE PROVIDENCE, RI 02909 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $946 | $21 | $967 | 2.57% |
| STEPHANIE DANGELO3 | 45 HOPKINS AVENUE EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $416 | — | $416 | 1.11% |
| DANIELLE MORGAN3 | 27284 STRAWBERRY LANE APARTMENT 302 FARMINGTON HILLS, MI 48334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 0.31% |
| DIONA MCLAUGHLIN3 | 3127 BLUE GRASS SWARTZ CREEK, MI 48473 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.16% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02901 | VISION SERVICE PLAN | $451 | — | $451 | 3.16% |
| J KING INSURANCE INC3 Filed as: J KING INSURANCE INC. | 333 MAIN STREET SUITE 1 EAST GREENWICH, RI 02818 | VISION SERVICE PLAN | $333 | — | $333 | 2.33% |
| THE ENROLLMENT NETWORK3 Filed as: ENROLLMENT NETWORK | 5835 POST ROAD SUITE 214 EAST GREENWICH, RI 02818 | VISION SERVICE PLAN | $119 | — | $119 | 0.83% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 14.99% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $261 | — | $261 | 3.07% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $419 | — | $419 | 15.01% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | 100 DISTRICT AVENUE S-204 BURLINGTON, MA 01803 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $375 | — | $375 | 25.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $107 | — | $107 | 10.02% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 205 | $2.4M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 272 | $130K |
| Vision | VISION SERVICE PLAN | 83 | $14K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 234 | $69K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10 | $1K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 29 | $9K |
| Other(5 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 259 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.