| 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 | $3K | $27K | $30K | 1.52% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY IN | PO BOX 549 PROVIDENCE, RI 02901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.43% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE BR | PO BOX 549 PROVIDENCE, RI 02901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $997 | $3 | $1K | 3.47% |
| J KING INSURANCE INC3 | 50 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $520 | $71 | $591 | 2.05% |
| LAURIE SEUBERT3 | 50 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | $15 | $243 | 0.84% |
| THERESA CATHERINE MACMILLAN3 | 650 EAST GREENWICH AVENUE WEST WARWICK, RI 02893 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $235 | $2 | $237 | 0.82% |
| JAMES R SMITH INSURANCE LTD3 | 50 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | — | $175 | 0.61% |
| CYNTHIA SUSANNE EVERY3 | 212 WEST DUNCAN MANCHESTER, MI 48158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.06% |
| STARKWEATHER & SHEPLEY, INC.3 | PO BOX 549 PROVIDENCE, RI 02901 | VISION SERVICE PLAN | $532 | — | $532 | 3.28% |
| J KING INSURANCE INC3 Filed as: J. KING INSURANCE, INC. | 50 MAIN STREET SUITE 200 EAST GREENWICH, RI 02818 | VISION SERVICE PLAN | $532 | — | $532 | 3.28% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY IN | PO BOX 549 PROVIDENCE, RI 02901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $896 | — | $896 | 14.99% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY IN | PO BOX 549 PROVIDENCE, RI 02901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $391 | — | $391 | 15.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY IN | PO BOX 549 PROVIDENCE, RI 02901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34 | — | $34 | 10.09% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 152 | $2.0M |
| Vision | VISION SERVICE PLAN | 97 | $16K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $58K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3 | $337 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16 | $6K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 191 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.