| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BLVD. E. PROVIDENCE, RI 02901 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $2K | $51K | $53K | 4.08% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BLVD. E. PROVIDENCE, RI 02901 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $0 | $4K | $4K | 7.09% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BLVD. E. PROVIDENCE, RI 02901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.88% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BLVD. E. PROVIDENCE, RI 02901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.09% |
| STARKWEATHER & SHEPLEY, INC. | 60 CATAMORE BLVD. E. PROVIDENCE, RI 02901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.00% |
| STARKWEATHER & SHEPLEY, INC. | 60 CATAMORE BLVD. E. PROVIDENCE, RI 02901 | VISION SERVICE PLAN | $658 | $0 | $658 | 8.06% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BLVD. E. PROVIDENCE, RI 02901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $169 | $0 | $169 | 10.02% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BLVD. E. PROVIDENCE, RI 02901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12 | $0 | $12 | 9.68% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 172 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 157 | $53K |
| Vision | VISION SERVICE PLAN | 79 | $8K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $26K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 63 | $14K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 63 | $18K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 18 | $124 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.