| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: R S C INS BKGE DBA RISK STRATAGIES | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $100K | $43K | $143K | 2.02% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 333 WEST WACKER DRIVE SUITE 1950 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $53K | $9K | $62K | 16.19% |
| MICHAEL P TSOTSIS3 | 446 MAIN STREET WORCESTER, MA 01608 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.18% |
| GREGORY C. LAVELLE3 Filed as: GREGORY M HALLIGAN | 292 PARK AVENUE WORCESTER, MA 01609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $282 | $8K | 15.74% |
| SULLIVAN GARRITY & DONNELLY INC3 | 10 INSTITUTE ROAD SUITE 1 WORCESTER, MA 01609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $94 | $2K | 3.98% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $1K | — | $1K | 4.66% |
| SULLIVAN GARRITY & DONNELLY INC3 Filed as: SULLIVAN GARRITY AND DONNELLY INSUR | 10 INSTITUTE ROAD WORCESTER, MA 01615 | FEDERAL INSURANCE COMPANY | $475 | $16 | $491 | 15.50% |
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 | 646 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 537 | $7.1M |
| Vision | VISION SERVICE PLAN | 213 | $30K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 584 | $382K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 584 | $382K |
| Other(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 1,282 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,282 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.