| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 | ATTN STEVE GOETHEL 11 SCOTT STREET STE 100 WAUSAU, WI 54401 | SYMETRA LIFE INSURANCE COMPANY | $34K | $5K | $39K | 13.78% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 3.79% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY | 60 CATAMORE RD EAST PROVIDENCE, RI 02914 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.74% |
| J KING INSURANCE INC3 Filed as: J. KING INSURANCE, INC. | 50 MAIN ST STE 200 EAST GREENWICH, RI 02818 | VISION SERVICE PLAN | $26 | — | $26 | 20.16% |
| STARKWEATHER & SHEPLEY, INC.3 | PO BOX 549 PROVIDENCE, RI 029010549 | VISION SERVICE PLAN | $13 | — | $13 | 10.08% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF RHODE ISLAND | 213 | $78K |
| Vision | VISION SERVICE PLAN | 0 | $129 |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $29K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $29K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 103 | $284K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.