| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST. FL2 BOSTON, MA 021101700 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $8K | $21K | 2.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA | 335 MADISON AVE NEW YORK, NY 10017 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $4K | — | $4K | 0.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GRANTHAM, MAYO, VANOTTERLOO & CO. EIN 04-2691242 NONE | Investment management Service code 28 | — | $166K |
| WESTERN ASSET MANAGEMENT EIN 95-2705767 NONE | Investment management Service code 28 | — | $119K |
| SOUTHEASTERN ASSET MANAGEMENT EIN 62-0951781 NONE | Investment management Service code 28 | — | $88K |
| IRONBRIDGE CAPITAL MANAGEMENT EIN 36-4255832 NONE | Investment management Service code 28 | — | $64K |
| ARROWSTREET CAPITAL, LIMITED EIN 04-3472863 NONE | Investment management Service code 28 | — | $53K |
| RANGER INVESTMENT MANAGEMENT EIN 02-0661004 NONE | Investment management Service code 28 | — | $37K |
| MONDRIAN INVESTMENT GROUP (U.S.) EIN 56-2475915 NONE | Investment management Service code 28 | — | $35K |
| AON CONSULTING INC. EIN 22-2232264 NONE | Actuarial; Consulting (general) Service code 11 | — | $31K |
| SASCO CAPITAL INC. EIN 06-1149365 NONE | Investment management Service code 28 | — | $25K |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Custodial (other than securities); Custodial (securities) Service code 18 | — | $25K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing) Service code 10 | — | $19K |
| SSGA MSCI ACWI EX USA NON EIN 80-6103053 NONE | Investment management Service code 28 | — | $15K |
| STATE STREET BANK AND TRUST CO EIN 04-0025081 NONE | Investment management Service code 28 | — | $15K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,231 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 281 | $2.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 177 | $832K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,588 | $895K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,588 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.