Form 5500 · Employee benefit plan · WARWICK, RI
CLAFLIN SERVICE COMPANY DBA CME CORPORATION
The filing calls this plan CLAFLIN SERVICE COMPANY DBA CME CORPORATION EMPLOYEE BENEFITS PLAN.
Public Form 5500 records show how CLAFLIN SERVICE COMPANY DBA CME CORPORATION of WARWICK, RI, a retail employer, structures its employee benefits. Its broker of record is STARKWEATHER & SHEPLEY INC BROKERAG. Coverage is written through BLUE CROSS BLUE SHIELD OF RHODE ISLAND and 3 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 05-0377434 · plan 501 · plan year 2026, filed Sep 22, 2026
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16 other employer plans in Rhode Island have policy years ending in March. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 17 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF RHODE ISLAND, covers 343 people.
Reported premium across the insured contracts is $3,163,507, with $81,239 in disclosed broker commissions — about 2.6% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
STARKWEATHER & SHEPLEY INC BROKERAG is the broker of record on 1 of the 17 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF RHODE ISLAND, CALIFORNIACHOICE, DELTA DENTAL OF RHODE ISLAND and STANDARD INSURANCE COMPANY. BLUE CROSS BLUE SHIELD OF RHODE ISLAND writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CALIFORNIACHOICE | Health | 38 | Apr 1, 2026 | $612,904 | $55,162 |
| STANDARD INSURANCE COMPANY | Life | 311 | Apr 1, 2026 | $61,892 | $10,081 |
| STANDARD INSURANCE COMPANY | Disability | 57 | Apr 1, 2026 | $36,063 | $5,111 |
| STANDARD INSURANCE COMPANY | — | 38 | Apr 1, 2026 | $32,674 | $4,501 |
| DELTA DENTAL OF RHODE ISLAND | Dental | 240 | Apr 1, 2026 | $99,939 | $2,877 |
| DELTA DENTAL OF RHODE ISLAND | Vision | 282 | Apr 1, 2026 | $15,083 | $1,513 |
| DELTA DENTAL OF RHODE ISLAND | Dental | 63 | Apr 1, 2026 | $28,836 | $816 |
| DELTA DENTAL OF RHODE ISLAND | Dental | 103 | Apr 1, 2026 | $27,328 | $780 |
| DELTA DENTAL OF RHODE ISLAND | Vision | 44 | Apr 1, 2026 | $2,450 | $243 |
| DELTA DENTAL OF RHODE ISLAND | Dental | 12 | Apr 1, 2026 | $4,215 | $121 |
| DELTA DENTAL OF RHODE ISLAND | Dental | 2 | Apr 1, 2026 | $820 | $24 |
| DELTA DENTAL OF RHODE ISLAND | Vision | 2 | Apr 1, 2026 | $100 | $10 |
| BLUE CROSS BLUE SHIELD OF RHODE ISLAND | Health | 343 | Apr 1, 2026 | $2,241,203 | $0 |
| DELTA DENTAL OF RHODE ISLAND | Vision | 0 | Apr 1, 2026 | — | $0 |
| DELTA DENTAL OF RHODE ISLAND | Dental | 0 | Apr 1, 2026 | — | $0 |
| DELTA DENTAL OF RHODE ISLAND | Dental | 0 | Apr 1, 2026 | — | $0 |
| DELTA DENTAL OF RHODE ISLAND | Dental | 0 | Apr 1, 2026 | — | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 172541. For the contract year on this filing, the carrier reported $61,892 in premium earned and $50,241 in claims incurred. Dividing one by the other gives 81%.
STANDARD INSURANCE COMPANY, contract 172541. For the contract year on this filing, the carrier reported $36,063 in premium earned and $4,021 in claims incurred. Dividing one by the other gives 11%.
- STANDARD INSURANCE COMPANY, contract 172541 reported $27,243 in retention.
- STANDARD INSURANCE COMPANY, contract 172541 reported $32,042 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 300 employees, 10 recordable cases, 110 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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