| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02904 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $53K | $53K | 3.29% |
| MONIZ BENEFIT GROUP, INC3 | PO BOX 549 PROVIDENCE, RI 02904 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $163 | — | $163 | 0.01% |
| RICHARD P BEAULIEU JR3 Filed as: RICHARD BEAULIEU JR. | 935 JEFFERSON BOULEVARD SUITE 2000 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $5K | — | $5K | 2.90% |
| RICHARD P BEAULIEU JR3 Filed as: RICHARD BEAULIEU JR | 935 JEFFERSON BOULEVARD SUITE 2000 WARWICK, RI 02886 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| RICHARD P BEAULIEU JR3 | 935 JEFFERSON BOULEVARD SUITE 2000 WARWICK, RI 02886 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| RICHARD P BEAULIEU JR3 | 935 JEFFERSON BOULEVARD SUITE 2000 WARWICK, RI 02886 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 129 | $1.6M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 316 | $156K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $63K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $59K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.