| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC. | PO BOX 549 PROVIDENCE, RI 02914 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $980 | $59K | $60K | 4.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 66 ROUTE 17 NORTH PARAMUS, NJ 07652 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $21 | $21 | 0.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC | PO BOX 549 PROVIDENCE, RI 02914 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $4K | $4K | 8.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 66 ROUTE 17 NORTH PARAMUS, NJ 07252 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $3 | $3 | 0.01% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC. | 60 CATAMORE BLVD E POVIDENCE, RI 02914 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | 60 CATAMORE BLVD E PROVIDENCE, RI 02914 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 14.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, RI 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC. | 60 CATAMORE BLVD E POVIDENCE, RI 02914 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC. | 60 CATAMORE BLVD. PROVIDENCE, RI 02914 | VISION SERVICE PLAN | $732 | — | $732 | 7.59% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE BR | 60 CATAMORE BLVD E PROVIDENCE, RI 02914 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $833 | — | $833 | 10.00% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC. | 60 CATAMORE BLVD E POVIDENCE, RI 02914 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $59 | — | $59 | 10.07% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 188 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 162 | $52K |
| Vision | VISION SERVICE PLAN | 98 | $10K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $41K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 62 | $15K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 62 | $21K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.