| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STARKWEATHER & SHEPLEY, INC.3 Filed as: BR150- STARKWEATHER AND SHEPLEY INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02901 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $33K | $33K | 1.49% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY IN | PO BOX 549 PROVIDENCE, RI 02901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.80% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE BR | PO BOX 549 PROVIDENCE, RI 02901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $150 | $3K | 8.72% |
| J KING INSURANCE INC3 | 333 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $287 | $1K | 4.01% |
| BEIYANIL E PENA3 | 115 POCASSET AVENUE PROVIDENCE, RI 02909 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $944 | — | $944 | 2.74% |
| LAURIE SEUBERT3 | 333 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $509 | $60 | $569 | 1.65% |
| JAMES R SMITH INSURANCE LTD3 | 333 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $364 | $159 | $523 | 1.52% |
| THERESA CATHERINE MACMILLAN3 | 650 EAST GREENWICH AVENUE WEST WARWICK, RI 02893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $251 | — | $251 | 0.73% |
| CYNTHIA SUSANNE EVERY3 | 212 WEST DUNCAN MANCHESTER, MI 48158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $1 | $122 | 0.35% |
| JEREMY SAMPSEL3 | 3030 SOUTH 9TH STREET KALAMAZOO, MI 49009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $34 | $52 | 0.15% |
| STARKWEATHER & SHEPLEY, INC.3 | PO BOX 549 PROVIDENCE, RI 02901 | VISION SERVICE PLAN | $439 | — | $439 | 2.75% |
| J KING INSURANCE INC3 Filed as: J. KING INSURANCE, INC. | 333 MAIN STREET SUITE 1 EAST GREENWICH, RI 02818 | VISION SERVICE PLAN | $439 | — | $439 | 2.75% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY IN | PO BOX 549 PROVIDENCE, RI 02901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY IN | PO BOX 549 PROVIDENCE, RI 02901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $492 | — | $492 | 15.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY IN | PO BOX 549 PROVIDENCE, RI 02901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $94 | — | $94 | 10.01% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 167 | $2.2M |
| Vision | VISION SERVICE PLAN | 83 | $16K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $71K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3 | $939 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 19 | $9K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 238 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.