| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BKGE DBA RISK STRATAGIES | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $229K | $6K | $234K | 15.34% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64K | $0 | $64K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PWY W VEVA 13#320 BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $21K | $21K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $0 | $36K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16#320 BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST. 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.77% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET BOSTON, MA 02110 | LINCOLN NATIONAL INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PKWY W STE 320 BLDG 16 BLUE BELL, PA 19422 | LINCOLN NATIONAL INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
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 | 701 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,617 | $1.5M |
| Vision | VISION SERVICE PLAN | 548 | $86K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 701 | $425K |
| Short-term disability | LINCOLN NATIONAL INSURANCE COMPANY | 195 | $31K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 701 | $239K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 710 | $443K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,617 | — |
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.