| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02914 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $9K | — | $9K | 0.13% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC | 60 CATAMORE BOULEVARD PO BOX 549 EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $13K | — | $13K | 4.21% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | STANDARD INSURANCE COMPANY | $29K | — | $29K | 15.03% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 4.37% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 11.43% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 4.34% |
| MARIGENE ANNE PANCIERA3 Filed as: MARIGENE PANCIERA | — | COMBINED INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 5.27% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INS BROKER | — | COMBINED INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.81% |
| TIMOTHY J REED3 Filed as: TIMOTHY KENNEDY | — | COMBINED INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.47% |
| FIRST INSURANCE3 Filed as: FIRST BENEFITS LLC | — | COMBINED INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.77% |
| WENDY DAWN PACK3 Filed as: WENDY LAPRISE | — | COMBINED INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.80% |
| MARTIN FELDMAN3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $298 | — | $298 | 0.16% |
| JOSEPH P CALARCO3 Filed as: JOSEPH WHITE | — | COMBINED INSURANCE COMPANY OF AMERICA | $255 | — | $255 | 0.14% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON LEBLANC | — | COMBINED INSURANCE COMPANY OF AMERICA | $126 | — | $126 | 0.07% |
| STEPHANI D MARTINEZ3 Filed as: STEPHANI MARTINEZ | — | COMBINED INSURANCE COMPANY OF AMERICA | $89 | — | $89 | 0.05% |
| KATHERINE C WOOD3 Filed as: KATHERINE MCLAUGHLIN | — | COMBINED INSURANCE COMPANY OF AMERICA | $84 | — | $84 | 0.05% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 14.95% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.61% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BOULEVARD PROVIDENCE, RI 02914 | VISION SERVICE PLAN | $2K | — | $2K | 3.23% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 32.32% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.56% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE BR | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | ARAG INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | 60 CATAMORE BOULEVARD PO BOX 549 EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $28 | — | $28 | 3.48% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 3.51% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 1.58% |
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 | 547 | 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) | 547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 1,043 | $7.1M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 1,084 | $300K |
| Vision | VISION SERVICE PLAN | 473 | $64K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 646 | $374K |
| Short-term disability | STANDARD INSURANCE COMPANY | 742 | $86K |
| Long-term disability | STANDARD INSURANCE COMPANY | 646 | $182K |
| Other(5 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 646 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,084 | — |
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.