| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $98K | $103K | 3.79% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BOULEVARD PO BOX 549 EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 1.33% |
| NEWPORT INSURANCE AGENCY3 | A DIVISION OF STARKWEATHER PO BOX 549 PROVIDENCE, RI 02908 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 1.33% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | HARTFORD LIFE AND ACCIDENT | $7K | $3K | $10K | 9.45% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES L | 2 ENTERPRISE DRIVE SUITE 204 SHELTON, CT 06484 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 5.00% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BOULEVARD PROVIDENCE, RI 02914 | VISION SERVICE PLAN | $1K | — | $1K | 3.97% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BOULEVARD PO BOX 549 EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $18 | — | $18 | 1.41% |
| NEWPORT INSURANCE AGENCY3 | A DIVISION OF STARKWEATHER PO BOX 549 PROVIDENCE, RI 02908 | DELTA DENTAL OF RHODE ISLAND | $18 | — | $18 | 1.41% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BOULEVARD PO BOX 549 PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $18 | — | $18 | 1.43% |
| NEWPORT INSURANCE AGENCY3 | A DIVISION OF STARKWEATHER PO BOX 549 PROVIDENCE, RI 02908 | DELTA DENTAL OF RHODE ISLAND | $18 | — | $18 | 1.43% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 514 | $2.7M |
| Dental(3 contracts) | DELTA DENTAL OF RHODE ISLAND | 515 | $212K |
| Vision | VISION SERVICE PLAN | 278 | $36K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 291 | $105K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 291 | $105K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 291 | $105K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 291 | $112K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.