| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER SHEPLEY INC | P.O. BOX 549 PROVIDENCE, RI 02914 | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | $10K | $75K | $85K | 2.06% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY, INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 1.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE | P.O. BOX 549 PROVIDENCE, RI 02901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $6K | 2.55% |
| EM-POWER SERVICES, INC.3 Filed as: EM-POWER SERVICES INC. | P.O. BOX 591 OXFORD, MA 01540 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 12.03% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE | P.O. BOX 549 PROVIDENCE, RI 02901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $893 | $5K | 7.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | P.O. BOX 549 PROVIDENCE, RI 02901 | VISION SERVICE PLAN | $2K | — | $2K | 3.83% |
| EM-POWER SERVICES, INC.3 Filed as: EM-POWER SOLUTIONS | P.O. BOX 591 OXFORD, MA 01540 | MEDAMERICA INSURANCE COMPANY | $1K | — | $1K | 13.72% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | FEDERAL INSURANCE COMPANY | $540 | — | $540 | 20.00% |
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 | 415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 158 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 392 | $4.1M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 585 | $310K |
| Vision | VISION SERVICE PLAN | 259 | $47K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 415 | $237K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 301 | $67K |
| Other(5 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 415 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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.