| 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 | $34K | $8K | $42K | 3.40% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE | BROKERAGE, INC. 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | TUFTS INSURANCE COMPANY | $20K | $5K | $25K | 3.32% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 2.97% |
| INCENTIVE GROUP3 Filed as: THE INCENTIVE GROUP | 201 JONES ROAD SUITE 625 WALTHAM, MA 02451 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.08% |
| INCENTIVE GROUP3 Filed as: THE INCENTIVE GROUP | 201 JONES RD STE 625 WALTHAM, MA 02451 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.94% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $497 | — | $497 | 2.97% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $465 | — | $465 | 2.97% |
| STARKWEATHER & SHEPLEY, INC.3 | PO BOX 549 PROVIDENCE, RI 02901 | VISION SERVICES PLAN | $638 | — | $638 | 5.00% |
| STARKWEATHER & SHEPLEY, INC.3 | PO BOX 549 PROVIDENCE, RI 02901 | VISION SERVICE PLAN | $612 | — | $612 | 5.00% |
| PATRICK NEE3 | 95 BRIAR LANE WESTWOOD, MA 02090 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | — | $179 | 1.94% |
| J KING INSURANCE INC3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 1.70% |
| JAMES R SMITH INSURANCE LTD3 | 5835 POST ROAD SUITE 214 EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.79% |
| LAURIE SEUBERT3 | 5835 POST ROAD EAST GREENWICH, RI 02818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.69% |
| DAVID L FLEURY3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.27% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.08% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES MONIZ | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $13 | — | $13 | 3.05% |
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 | 136 | 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) | 136 | 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 | 239 | $2.0M |
| Dental(4 contracts) | DELTA DENTAL OF RHODE ISLAND | 279 | $144K |
| Vision(2 contracts, 2 carriers) | VISION SERVICES PLAN | 113 | $25K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 284 | $61K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 284 | $51K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 284 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
No prospect flags tripped on this filing.