| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $194K | $0 | $194K | 2.61% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE- WAKEFIELD, IN | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65K | $0 | $65K | 14.44% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $22K | $22K | 4.83% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $18K | $18K | 3.89% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $15K | $0 | $15K | 17.63% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE- WAKEFIELD, IN | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | UNUM INSURANCE COMPANY | $9K | $0 | $9K | 10.89% |
| KIMBERLY ANNE CUNNINGHAM3 Filed as: KIMBERLY A. CUNNINGHAM | 266 FERRY LANDING CIRCLE PORTSMOUTH, RI 02871 | UNUM INSURANCE COMPANY | $6K | $0 | $6K | 6.78% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 1.87% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | PO BOX 736061 CHICAGO, IL 60673 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.85% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | PO BOX 1023 BURLINGTON, MA 01803 | VISION SERVICE PLAN | $562 | $0 | $562 | 1.52% |
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 | 513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 856 | $7.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 856 | $7.5M |
| Vision | VISION SERVICE PLAN | 225 | $37K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 513 | $450K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 513 | $450K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 513 | $450K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 856 | $7.5M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 513 | $544K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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.