| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $47K | $47K | 3.10% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BOULEVARD PO BOX 549 EAST PROVIDENCE, RI 02914 | DELTA DENTAL OF RHODE ISLAND | $3K | — | $3K | 3.70% |
| STARKWEATHER & SHEPLEY, INC.3 | 60 CATAMORE BLVD PROVIDENCE, RI 02914 | VISION SERVICE PLAN | $1K | — | $1K | 6.24% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLEY INC. | 60 CATAMORE BLVD E PROVIDENCE, RI 02914 | TRANSAMERICA | $5K | $2K | $7K | 32.50% |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $1.5M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 219 | $82K |
| Vision | VISION SERVICE PLAN | 114 | $22K |
| Life insurance | TRANSAMERICA | 1 | $21K |
| Long-term disability | TRANSAMERICA | 1 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.