| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STARKWEATHER & SHEPLEY, INC.3 Filed as: BR150-STARKWEATHER & SHEPLEY INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $3K | $33K | $35K | 1.20% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $7K | — | $7K | 2.47% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY | 60 CATAMORE BLVD EAST PROVIDENCE, RI 02914 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 20.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY | 60 CATAMORE BLVD EAST PROVIDENCE, RI 02914 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $351 | $7K | 15.75% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY | 60 CATAMORE BLVD EAST PROVIDENCE, RI 02914 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $333 | $4K | 8.48% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY | 60 CATAMORE BLVD EAST PROVIDENCE, RI 02914 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.99% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $225 | — | $225 | 0.61% |
| FRED C. CHURCH INC.3 Filed as: FRED C CHURCH INC | 41 WELLMAN ST LOWELL, MA 01851 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.05% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY | 60 CATAMORE BLVD EAST PROVIDENCE, RI 02914 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $228 | — | $228 | 0.80% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 0.45% |
| JAMES R SMITH INSURANCE LTD3 Filed as: JAMES KING | 50 MAIN ST, STE 200 C/O THE ENROLLMENT NETWORK EAST GREENWICH, RI 02818 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.16% |
| J KING INSURANCE INC3 Filed as: J KING INSURANCE INC. | 50 MAIN ST, STE 200 DBA THE ENROLLMENT COMPANY EAST GREENWICH, RI 02818 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.16% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY | 60 CATAMORE BLVD EAST PROVIDENCE, RI 02914 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 6.14% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 127 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 638 | $3.0M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 504 | $265K |
| Vision | VISION SERVICE PLAN | 173 | $45K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $44K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $15K |
| Long-term disability(3 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 34 | $68K |
| Other(8 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 638 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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."
No prospect flags tripped on this filing.