| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02901 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $4K | $59K | $63K | 3.51% |
| RICHARD P BEAULIEU JR3 Filed as: RICHARD BEAULIEU JR. | 935 JEFFERSON BOULEVARD SUITE 2000 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $4K | — | $4K | 2.88% |
| RICHARD P BEAULIEU JR3 | 935 JEFFERSON BOULEVARD SUITE 2000 WARWICK, RI 02886 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 15.00% |
| STARKWEATHER & SHEPLEY, INC.3 | PO BOX 549 PROVIDENCE, RI 02901 | VISION SERVICE PLAN | $1K | — | $1K | 5.06% |
| RICHARD P BEAULIEU JR3 | 935 JEFFERSON BOULEVARD SUITE 2000 WARWICK, RI 02886 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| RICHARD P BEAULIEU JR3 | 935 JEFFERSON BOULEVARD SUITE 2000 WARWICK, RI 02886 | LIFE INSURANCE COMPANY OF NEW YORK | $12K | — | $12K | 100.00% |
| RICHARD P BEAULIEU JR3 | 935 JEFFERSON BOULEVARD SUITE 2000 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $181 | — | $181 | 2.89% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 140 | $1.8M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 347 | $158K |
| Vision | VISION SERVICE PLAN | 118 | $25K |
| Life insurance | LIFE INSURANCE COMPANY OF NEW YORK | 156 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $73K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.