| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE | BROKERAGE, INC. 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC | $38K | $9K | $47K | 3.58% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02901 | TUFFS INSURANECE COMPANY | $7K | $1K | $8K | 3.30% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 3.60% |
| INCENTIVE GROUP3 Filed as: THE INCENTIVE GROUP | 201 JONES ROAD SUITE 625 WALTHAM, MA 02451 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 11.28% |
| J KING INSURANCE INC3 | 5835 POST ROAD EAST GREENWHICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $496 | $416 | $912 | 7.80% |
| PATRICK NEE3 | 95 BLAIR LANE WESTWOOD, MA 02090 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $669 | $98 | $767 | 6.56% |
| TODD SADWIN3 | 43 FOXGLOVE DRIVE CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $295 | — | $295 | 2.52% |
| JAMES R SMITH INSURANCE LTD3 | 5835 POST ROAD SUITE 214 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $123 | $289 | 2.47% |
| LAURIE SEUBERT3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $165 | $50 | $215 | 1.84% |
| DAVID L FLEURY3 | 545 SOUTH MAIN ST PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $44 | $114 | 0.98% |
| CHRISTOPHER IHLEFELD3 | 104 JOHN STREET PROVIDENCE, RI 02906 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $2 | $93 | 0.80% |
| JENNIFER MORETTI3 Filed as: JENNIFER M MORETTI | 143 PEQUOT TRAIL EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.26% |
| STARKWEATHER & SHEPLEY, INC.3 | PO BOX 549 PROVIDENCE, RI 02901 | VISION SERVICE PLAN | $417 | — | $417 | 5.00% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC | 283 | $1.6M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 278 | $88K |
| Vision | VISION SERVICE PLAN | 90 | $8K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 235 | $31K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 235 | $19K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 235 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.