| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS. BROKERAGE INC. | 160 FEDERAL STREET FL2 BOSTON, MA 021101700 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | $30K | $82K | 1.96% |
| MICHAEL P TSOTSIS3 Filed as: MICHAEL P. TSOTSIS | 446 MAIN STREET, STE 19 WORCESTER, MA 016082368 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $5K | $9K | 0.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GRANTHAM, MAYO, VAN OTTERLOO EIN 04-2691242 NONE | Investment management Service code 28 | — | $303K |
| SOUTHEASTERN ASSET MANAGEMENT EIN 62-0951781 NONE | Investment management Service code 28 | — | $252K |
| IRONBRIDGE CAPITAL MANAGEMENT EIN 36-4255832 NONE | Investment management Service code 28 | — | $228K |
| WESTERN ASSET MANAGEMENT EIN 95-2705767 NONE | Investment management Service code 28 | — | $193K |
| ARROWSTREET CAPITAL, LIMITED EIN 04-3472863 NONE | Investment management Service code 28 | — | $141K |
| RANGER INVESTMENT MANAGEMENT EIN 02-0661004 NONE | Investment management Service code 28 | — | $98K |
| MONDRIAN INVESTMENT GROUP (U.S.) EIN 56-2475915 NONE | Investment management Service code 28 | — | $97K |
| SSGA MSCI ACWI EX USA NON EIN 80-6103053 NONE | Investment management Service code 28 | — | $59K |
| SASCO CAPITAL INC. EIN 06-1149365 NONE | Investment management Service code 28 | — | $56K |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Custodial (other than securities); Custodial (securities) Service code 18 | — | $35K |
| SSGA S&P 500 INDEX NON-LENDING EIN 04-6625099 NONE | Investment management Service code 28 | — | $33K |
| AON HEWITT INVESTMENT CONSULTING EIN 36-3109431 NONE | Consulting (general) Service code 16 | — | $30K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing) Service code 10 | — | $26K |
| AON HEWITT EIN 36-2235791 NONE | Actuarial Service code 11 | — | $15K |
| SSGA S&P MIDCAP 400 INDEX NON EIN 04-3478150 NONE | Investment management Service code 28 | — | $13K |
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 | 5,280 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,050 | $4.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 4,050 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,050 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.