| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INSURANCE | 60 CATAMORE BLVD. EAST PROVIDENCE, RI 02914 | TUFTS INSURANCE COMPANY | $32K | $6K | $38K | 3.69% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 3.90% |
| STARKWEATHER & SHEPLEY, INC.3 | PO BOX 549 PROVIDENCE, RI 02901 | VISION SERVICE PLAN | $609 | — | $609 | 4.27% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC | 60 CATAMORE BLVD E PROVIDENCE, RI 02914 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $431 | $2K | 19.70% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC. | 60 CATAMORE BLVD E PROVIDENCE, RI 02914 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $839 | $397 | $1K | 14.74% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS INSURANCE COMPANY | 205 | $1.0M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 197 | $74K |
| Vision | VISION SERVICE PLAN | 104 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 65 | $9K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.