| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $58K | $65K | $123K | 1.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC. | 3 COPLEY PLACE SUITE 300 BOSTON, MA 02116 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $42K | — | $42K | 0.41% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET BOSTON, MA 02110 | AETNA LIFE INSURANCE COMPANY | $45K | — | $45K | 3.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORPORATION OF MA | 3 COPLEY PL STE 300 BOSTON, MA 021166516 | AETNA LIFE INSURANCE COMPANY | $41K | — | $41K | 3.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | 233 S WACKER DR STE CHICAGO, IL 60603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC. | PO BOX 416672 BOSTON, MA 02241 | EYEMED VISION CARE-COMBINED INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC. | 26 CENTURY BLVD FLOOR 4S NASHVILLE, TN 37214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $256 | $3K | 12.95% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $566 | — | $566 | 7.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | 26 CENTURY BLVD FLOOR 4S NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $449 | $3 | $452 | 6.27% |
| EMERSON REID LLC3 | 401 BROADWAY STE 912 NEW YORK, NY 10013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $189 | $189 | 2.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | — | — | $0 | — |
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 | 1,855 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,974 | $10.2M |
| Vision | EYEMED VISION CARE-COMBINED INSURANCE COMPANY OF AMERICA | 1,424 | $50K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,855 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,855 | $1.2M |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,855 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,974 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.