| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02903 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $45K | $45K | 1.49% |
| NEWPORT INSURANCE AGENCY3 Filed as: NEWPORT INSURANCE AGENCY, INC. | 460 EAST MAIN ROAD MIDDLETOWN, RI 02842 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $44K | $44K | 1.47% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES J RAIOLA | 477 POPPASQUASH ROAD BRISTOL, RI 02809 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $6K | $9K | $15K | 0.51% |
| JAMES RAIOLA3 | 125 METRO CENTER BOULEVARD SUITE 3000 WARWICK, RI 02883 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 1.34% |
| NEWPORT INSURANCE AGENCY3 | A DIVISION OF STARKWEATHER PO BOX 549 PROVIDENCE, RI 02908 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 1.34% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 500 WEST MAIN ROAD SUITE 1 MIDDLETOWN, RI 02842 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 7.82% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES L | 2 ENTERPRISE DRIVE SUITE 204 SHELTON, CT 06484 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 5.00% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BOULEVARD PROVIDENCE, RI 02914 | VISION SERVICE PLAN | $2K | — | $2K | 4.94% |
| JAY RAIOLA3 | 125 METRO CENTER BOULEVARD SUITE 3000 WARWICK, RI 02886 | VISION SERVICE PLAN | $306 | — | $306 | 0.88% |
| JAMES RAIOLA3 | 125 METRO CENTER BOULEVARD SUITE 3000 WARWICK, RI 02883 | DELTA DENTAL OF RHODE ISLAND | $17 | — | $17 | 1.38% |
| NEWPORT INSURANCE AGENCY3 | A DIVISION OF STARKWEATHER PO BOX 549 PROVIDENCE, RI 02908 | DELTA DENTAL OF RHODE ISLAND | $17 | — | $17 | 1.38% |
| JAMES RAIOLA3 | 125 METRO CENTER BOULEVARD SUITE 3000 WARWICK, RI 02883 | DELTA DENTAL OF RHODE ISLAND | $6 | — | $6 | 1.52% |
| NEWPORT INSURANCE AGENCY3 | A DIVISION OF STARKWEATHER PO BOX 549 PROVIDENCE, RI 02908 | DELTA DENTAL OF RHODE ISLAND | $6 | — | $6 | 1.52% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 320 | $3.0M |
| Dental(3 contracts) | DELTA DENTAL OF RHODE ISLAND | 515 | $204K |
| Vision | VISION SERVICE PLAN | 276 | $35K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 262 | $89K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 262 | $89K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 262 | $89K |
| Other | HARTFORD LIFE AND ACCIDENT | 262 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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.