| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONIZ BENEFITS GROUP, INC.3 | PO BOX 549 PROVIDENCE, RI 02901 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $58K | $58K | 2.95% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $4K | — | $4K | 3.04% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY IN | PO BOX 549 PROVIDENCE, RI 02901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| STARKWEATHER & SHEPLEY, INC.3 | PO BOX 549 PROVIDENCE, RI 02901 | VISION SERVICE PLAN | $1K | — | $1K | 4.58% |
| ST JEAN RICHARD A JR.3 Filed as: ST JEAN RICHARD A JR | 101 FEDERAL STREET SUITE 800 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $137 | $276 | $413 | 3.75% |
| HADSELL BENJAMIN JENNESS JR3 | 34 BRIDGHAM FARM ROAD RUMFORD, RI 02916 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $326 | — | $326 | 2.96% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $76 | — | $76 | 0.69% |
| ANDERSON GREGG A3 | 6065 SOUTHEAST MARINER SANDS DRIVE STUART, FL 34997 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $56 | — | $56 | 0.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6102 82ND ST SUITE 6 LUBBOCK, TX 79424 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $52 | — | $52 | 0.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | PO BOX 9146 NORWELL, MA 02061 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $36 | — | $36 | 0.33% |
| ST JEAN RICHARD A JR.3 Filed as: ST JEAN RICHARD | 101 FEDERAL STREET SUITE 800 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $36 | $36 | 0.33% |
| TUDOR RISK SERVICES, INC3 | 2 PIERCE PLACE FLOOR 14 ITASCA, IL 60143 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $26 | — | $26 | 0.24% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $826 | — | $826 | 20.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INSURANCE | 60 EAST CATAMARE BOULEVARD EAST PROVIDENCE, RI 02914 | FEDERAL INSURANCE COMPANY | $620 | — | $620 | 15.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $31 | — | $31 | 3.00% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 162 | $2.0M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 371 | $134K |
| Vision | VISION SERVICE PLAN | 122 | $26K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $40K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $46K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.