| 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 | $5K | — | $5K | 0.07% |
| MARIGENE ANNE PANCIERA3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 11.48% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INSURANCE | — | COMBINED INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 10.21% |
| TIMOTHY J REED3 Filed as: TIMOTHY JOSEPH KENNEDY | — | COMBINED INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 6.22% |
| FIRST INSURANCE3 Filed as: FIRST BENEFITS LLC | — | COMBINED INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.31% |
| WENDY DAWN PACK3 Filed as: WENDY ILENE LAPRISE | — | COMBINED INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.70% |
| MARTIN FELDMAN3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.07% |
| JOSEPH P CALARCO3 Filed as: JOSEPH ALFRED WHITE | — | COMBINED INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.97% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON LEBLANC | — | COMBINED INSURANCE COMPANY OF AMERICA | $937 | — | $937 | 0.50% |
| STEPHANI D MARTINEZ3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $592 | — | $592 | 0.31% |
| KATHERINE C WOOD3 Filed as: KATHERINE ANN MCLAUGHLIN | — | COMBINED INSURANCE COMPANY OF AMERICA | $577 | — | $577 | 0.31% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INS | PO BOX 549 PROVIDENCE, RI 02901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $118 | $18K | 10.07% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 5.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INS | PO BOX 549 PROVIDENCE, RI 02901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $118 | $11K | 8.09% |
| 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 | $19K | $118 | $19K | 15.09% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INS | PO BOX 549 PROVIDENCE, RI 02901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $118 | $10K | 10.12% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BOULEVARD PROVIDENCE, RI 02914 | VISION SERVICE PLAN | $2K | — | $2K | 3.42% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INS | PO BOX 549 PROVIDENCE, RI 02901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $118 | $9K | 20.28% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 8.41% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INS | PO BOX 549 PROVIDENCE, RI 02901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $118 | $8K | 20.28% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.79% |
| 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 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22 | — | $22 | 3.86% |
| THOMAS CHRISTOPHER SMITH3 Filed as: THOMAS CHIRSTOPHER SMITH | PO BOX 40386 798 BERRY ROAD 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 | 624 | 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) | 624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 497 | $6.2M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 980 | $267K |
| Vision | VISION SERVICE PLAN | 414 | $58K |
| Life insurance(3 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 626 | $410K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 625 | $177K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 641 | $134K |
| Other(8 contracts, 4 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 641 | $650K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 980 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.