Form 5500 · Employee benefit plan · EAST PROVIDENCE, RI
STARKWEATHER & SHEPLEY INSURANCE BROKERAGE INC
The filing calls this plan STARKWEATHER & SHEPLEY INSURANCE BROKERAGE INC WELFARE PLAN.
STARKWEATHER & SHEPLEY INSURANCE BROKERAGE INC of EAST PROVIDENCE, RI files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is STARKWEATHER & SHEPLEY, INC.. Coverage is written through BLUE CROSS BLUE SHIELD OF RHODE ISLAND and 7 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 05-0222530 · plan 501 · plan year 2025, filed Jun 5, 2026
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170 other employer plans in Rhode Island have policy years ending in December. 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: death benefits, 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 12 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF RHODE ISLAND, covers 766 people.
Reported premium across the insured contracts is $4,968,808, with $49,763 in disclosed broker commissions — about 1% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
STARKWEATHER & SHEPLEY, INC. is the broker of record on 3 of the 12 contracts; the rest name a different broker or none.
8 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF RHODE ISLAND, DELTA DENTAL OF RHODE ISLAND, UNITED OF OMAHA LIFE INSURANCE COMPANY and UNUM LIFE INSURANCE COMPANY OF AMERICA. BLUE CROSS BLUE SHIELD OF RHODE ISLAND writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 23 | Jan 1, 2026 | $58,218 | $11,644 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 155 | Jan 1, 2026 | $101,951 | $9,354 |
| DELTA DENTAL OF RHODE ISLAND | Dental | 611 | Jan 1, 2026 | $323,361 | $7,114 |
| BLUE CROSS BLUE SHIELD OF RHODE ISLAND | Health | 766 | Jan 1, 2026 | $4,167,830 | $6,280 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 342 | Jan 1, 2026 | $137,345 | $5,373 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 342 | Jan 1, 2026 | $47,318 | $4,038 |
| BOSTON MUTUAL LIFE INSURANCE COMPANY | — | 66 | Jan 1, 2026 | $36,418 | $3,678 |
| FEDERAL INSURANCE COMPANY | — | 334 | Jan 1, 2026 | $5,675 | $1,135 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 21 | Jan 1, 2026 | $6,269 | $627 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 12 | Jan 1, 2026 | $26,566 | $520 |
| VISION SERVICE PLAN | Vision | 224 | Jan 1, 2026 | $55,902 | $0 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 1 | Jan 1, 2026 | $1,955 | $0 |
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.
Other plans filed by this employer
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