| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $50K | $50K | 2.51% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02901 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $1K | — | $1K | 0.07% |
| MONIZ BENEFITS GROUP, INC.3 | 35 LEATHERLEAF TRAIL SUITE 1 NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $4K | — | $4K | 3.30% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY IN | PO BOX 549 PROVIDENCE, RI 02901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $118 | $6K | 15.31% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $118 | $5K | 15.37% |
| MONIZ BENEFITS GROUP, INC.3 | 35 LEATHERLEAF TRAIL SUITE 1 NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 10.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $120 | — | $120 | 1.75% |
| RICHARD A ST JEAN3 | 280 CONGRESS STREET SUITE 1300 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $101 | $16 | $117 | 1.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 22035 KAREN STREET ELKHORN, NE 68022 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $42 | — | $42 | 0.61% |
| STARKWETHER & SHEPLEY INSURANCE BRO3 | — | ANSEL SERVICES | $676 | — | $676 | 10.00% |
| J KING INSURANCE INC3 Filed as: KING INSURANCE, INC. | — | ANSEL SERVICES | $676 | — | $676 | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES L | — | ANSEL SERVICES | $338 | — | $338 | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 800 MARKET STREET SUITE 1800 SAINT LOUIS, MO 63101 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 30.00% |
| MONIZ BENEFITS GROUP, INC.3 | 35 LEATHERLEAF TRAIL SUITE 1 NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $4 | — | $4 | 3.08% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 137 | $2.0M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 288 | $110K |
| Vision | DELTA DENTAL OF RHODE ISLAND | 246 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $38K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 177 | $39K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.