| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STARKWEATHER & SHEPLEY, INC.3 Filed as: BR150-STARKWEATHER AND SHEPLEY INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $5K | — | $5K | 0.10% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INS | PO BOX 549 PROVIDENCE, RI 02901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 10.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INS | PO BOX 549 PROVIDENCE, RI 02901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 15.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INS | PO BOX 549 PROVIDENCE, RI 02901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INS | PO BOX 549 PROVIDENCE, RI 02901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.00% |
| STARKWEATHER & SHEPLEY, INC.3 | PO BOX 549 PROVIDENCE, RI 02901 | VISION SERVICE PLAN | $2K | — | $2K | 3.88% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $247 | $3K | 8.50% |
| CHRISTOPHER THOMAS SMITH3 | 798 BERRY ROAD PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $143 | $2K | 5.60% |
| ROLAND D FLORENZ3 Filed as: ROLAND D. FLORENZ | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.31% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $128 | $2K | 7.46% |
| CHRISTOPHER THOMAS SMITH3 | 798 BERRY ROAD PO BOX 40386 NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $82 | $1K | 4.59% |
| ROLAND D FLORENZ3 Filed as: ROLAND D. FLORENZ | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $632 | — | $632 | 2.42% |
| JAMES R SMITH INSURANCE LTD3 Filed as: JAMES J KING | 5835 POST ROAD SUITE 214 EAST GREENWICH, RI 02818 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $170 | — | $170 | 0.65% |
| ASSUREX3 | 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $107 | $107 | 0.41% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE BR | 60 CATAMORE BOULEVARD EAST GREENWICH, RI 02914 | ARAG INSURANCE COMPANY | $1K | — | $1K | 8.96% |
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 | 444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 443 | $4.8M |
| Dental | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 428 | $278K |
| Vision | VISION SERVICE PLAN | 329 | $45K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 554 | $309K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 553 | $257K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 211 | $58K |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 554 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.