| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER SHEPLEY INSURANCE | NOT PROVIDED EAST PROVIDENCE, RI 02914 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $11K | 14.69% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN ASSOCIATES, LLC | NOT PROVIDED ALBANY, NY 12204 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 7.74% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY, INC | PO BOX 549 PROVIDENCE, RI 02901 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY, INC | PO BOX 549 PROVIDENCE, RI 02901 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE | PO BOX 549 PROVIDENCE, RI 02901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $906 | — | $906 | 14.33% |
| JAMES JOSEPH RAIOLA3 Filed as: JAMES V O'SULLIVAN | 91 TOLL GATE ROAD SUITE 200 WARWICK, RI 02886 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $750 | — | $750 | 18.94% |
| AJG BENEFIT SERVICES3 | 300 CENTERVILLE RD SUITE 100 EAST WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $914 | — | $914 | — |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF RHODE ISLAND | 215 | $0 |
| Life insurance(3 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 154 | $131K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 138 | $72K |
| Other(4 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 141 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.