| 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 | $11K | — | $11K | 0.20% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INS | PO BOX 549 PROVIDENCE, RI 02901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14K | $14K | 5.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INS | PO BOX 549 PROVIDENCE, RI 02901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | — | $29K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 5.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INS | PO BOX 549 PROVIDENCE, RI 02901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INS | PO BOX 549 PROVIDENCE, RI 02901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 8.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| MARIGENE ANNE PANCIERA3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 61.94% |
| TIMOTHY J REED3 Filed as: TIMOTHY JOSEPH KENNEDY | — | COMBINED INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 36.31% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INSURANCE | — | COMBINED INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 19.23% |
| WENDY DAWN PACK3 Filed as: WENDY ILENE LAPRISE | — | COMBINED INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.35% |
| MARTIN FELDMAN3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.56% |
| JOSEPH P CALARCO3 Filed as: JOSEPH ALFRED WHITE | — | COMBINED INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.71% |
| FIRST INSURANCE3 Filed as: FIRST BENEFITS LLC | — | COMBINED INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.81% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON LEBLANC | — | COMBINED INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.36% |
| KATHERINE C WOOD3 Filed as: KATHERINE ANN MCLAUGHLIN | — | COMBINED INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.31% |
| STEPHANI D MARTINEZ3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.05% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BOULEVARD PROVIDENCE, RI 02914 | VISION SERVICE PLAN | $2K | — | $2K | 3.74% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.15% |
| THOMAS CHRISTOPHER SMITH3 Filed as: THOMAS CHIRSTOPHER SMITH | PO BOX 40386 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $488 | — | $488 | 2.21% |
| 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 | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $226 | $3K | 29.02% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 40386 798 BERRY ROAD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $97 | $1K | 12.51% |
| ASSUREX3 | 175 SOUTH 3RD STREET SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $189 | $189 | 1.60% |
| 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 | $178 | — | $178 | 1.50% |
| ROLAND D FLORENZ3 Filed as: ROLAND D. FLORENZ | 10 EZECHIEL CARRE ROAD EAST GREENWICH, RI 02818 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 1.14% |
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 | 576 | 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) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 478 | $5.3M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 924 | $245K |
| Vision | VISION SERVICE PLAN | 382 | $54K |
| Life insurance(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 603 | $422K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 603 | $284K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 599 | $135K |
| Other(6 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 603 | $463K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 924 | — |
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.