| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | 60 CATAMORE BOULEVARD, SUITE 2 EAST PROVIDENCE, RI 02914 | HARVARD PILGRIM HEALTH CARE | $21K | $0 | $21K | 2.48% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | 60 CATAMORE BOULEVARD, SUITE 2 EAST PROVIDENCE, RI 02914 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | $2K | $0 | $2K | 3.71% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | 258 MAIN STREET STURBRIDGE, MA 01566 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $269 | $5K | 16.86% |
| J KING INSURANCE INC3 Filed as: J. KING INSURANCE INC | 50 MAIN STREET, SUITE 200 EAST GREENWICH, RI 02818 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $590 | $0 | $590 | 1.84% |
| MCGRATH INSURANCE GROUP INC3 Filed as: MCGRATH INSURANCE GROUP, INC. | PO BOX 549 PROVIDENCE, RI 02901 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $523 | $0 | $523 | 8.82% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | 60 CATAMORE BOULEVARD, SUITE 2 EAST PROVIDENCE, RI 02914 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $191 | $0 | $191 | 3.22% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 110 | $835K |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC | 108 | $67K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 81 | $6K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 43 | $32K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 43 | $32K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 110 | $835K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 166 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.