| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY, INC | — | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $58K | $58K | 2.92% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC BROKERAG | — | CALIFORNIA CHOICE | $26K | — | $26K | 4.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | — | CALIFORNIA CHOICE | $25K | — | $25K | 4.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARWEATHER & SHEPLEY INSURANCE | — | CALIFORNIA CHOICE | $5K | — | $5K | 0.78% |
| MONIZ BENEFITS GROUP, INC.3 | 35 LEATHERLEAF TRAIL SUITE 1 NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 2.90% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BOULEVARD SUITE 240 EAST PROVIDENCE, RI 02914 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 13.13% |
| J KING INSURANCE INC3 | THE ENROLLMENT NETWORK 5853 POST ROAD SUITE 203 EAST GREENWICH, RI 02818 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.37% |
| J KING INSURANCE INC3 | THE ENROLLMENT NETWORK 5853 POST ROAD SUITE 203 EAST GREENWICH, RI 02818 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.52% |
| MONIZ BENEFITS GROUP, INC.3 | 35 LEATHERLEAF TRAIL SUITE 1 NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $826 | — | $826 | 2.90% |
| J KING INSURANCE INC3 | THE ENROLLMENT NETWORK 5853 POST ROAD SUITE 203 EAST GREENWICH, RI 02818 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 35.58% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 34.04% |
| J KING INSURANCE INC3 | THE ENROLLMENT NETWORK 5853 POST ROAD SUITE 203 EAST GREENWICH, RI 02818 | STANDARD INSURANCE COMPANY | — | $955 | $955 | 3.50% |
| MONIZ BENEFITS GROUP, INC.3 | 35 LEATHERLEAF TRAIL SUITE 1 NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $764 | — | $764 | 2.90% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.93% |
| J KING INSURANCE INC3 | THE ENROLLMENT NETWORK 5853 POST ROAD SUITE 203 EAST GREENWICH, RI 02818 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.34% |
| J KING INSURANCE INC3 | THE ENROLLMENT NETWORK 5853 POST ROAD SUITE 203 EAST GREENWICH, RI 02818 | STANDARD INSURANCE COMPANY | — | $853 | $853 | 3.50% |
| MONIZ BENEFITS GROUP, INC.3 Filed as: MONIZ BENEFITS GROUP, INC | 35 LEATHERLEAF TRAIL SUITE 1 NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 10.00% |
| MONIZ BENEFITS GROUP, INC.3 | 35 LEATHERLEAF TRAIL SUITE 1 NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $246 | — | $246 | 10.02% |
| MONIZ BENEFITS GROUP, INC.3 | 35 LEATHERLEAF TRAIL SUITE 1 NORTH KINGSTOWN, RI 02852 | DELTA DENTAL OF RHODE ISLAND | $61 | — | $61 | 2.90% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 156 | $2.6M |
| Dental(4 contracts) | DELTA DENTAL OF RHODE ISLAND | 236 | $152K |
| Vision(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 256 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 273 | $60K |
| Long-term disability | STANDARD INSURANCE COMPANY | 47 | $24K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 273 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.