| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 333 W WACKER DR STE 1950 CHICAGO, IL 60606 | GUARDIAN | $30K | $6K | $36K | 15.39% |
| MICHAEL P TSOTSIS3 Filed as: MICHAEL TSOTSIS | 446 MAIN STREET WORCESTER, MA 01608 | GUARDIAN | $5K | — | $5K | 2.25% |
| BULFINCH GROUP INSURANCE AGY3 Filed as: BULFINCH GROUP INS AGENCY LLC | 160 GOULD STREET STE 310 NEEDHAM, MA 02494 | GUARDIAN | -$168 | — | -$168 | -0.07% |
| RSC INSURANCE BROKERAGE INC3 | 333 W WACKER DRIVE STE 1950 CHICAGO, IL 60606 | GUARDIAN | $13K | $4K | $17K | 17.57% |
| MICHAEL P TSOTSIS3 Filed as: MICHAEL TSOTSIS | 446 MAIN STREET WORCESTER, MA 01608 | GUARDIAN | $1K | — | $1K | 1.28% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET STE 2ND FL BOSTON, MA 021101700 | VISION SERVICE PLAN | $891 | — | $891 | 6.38% |
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 | 480 | 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) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 116 | $14K |
| Life insurance | GUARDIAN | 480 | $232K |
| Short-term disability | GUARDIAN | 131 | $96K |
| Long-term disability | GUARDIAN | 480 | $232K |
| Other(2 contracts) | GUARDIAN | 480 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.