| 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 | $125K | $49K | $174K | 2.22% |
| RSC INSURANCE BROKERAGE INC3 | 333 WEST WACKER DRIVE SUITE 1950 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $67K | $13K | $80K | 17.80% |
| GREGORY C. LAVELLE3 Filed as: GREGORY M HALLIGAN | 292 PARK AVENUE WORCESTER, MA 01609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $8 | $7K | 14.85% |
| SULLIVAN GARRITY & DONNELLY INC3 | 10 INSTITUTE ROAD SUITE 1 WORCESTER, MA 01609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $3 | $2K | 3.71% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $2K | — | $2K | 4.19% |
| SULLIVAN GARRITY & DONNELLY INC3 Filed as: SULLIVAN GARRITY AND DONNELLY INSUR | 10 INSTITUTE ROAD WORCESTER, MA 01609 | FEDERAL INSURANCE COMPANY | $475 | — | $475 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DENTAL SERVICES OF MASSACHUSETTS IN EIN 04-6143185 NONE | Actuarial Service code 11 | — | $58K |
| RSC INSURANCE BROKERAGE, INC NONE | Contract Administrator Service code 13 | 160 FEDERAL STREET BOSTON, MA 02110 | $7K |
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 | 620 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 571 | $7.8M |
| Vision | VISION SERVICE PLAN | 259 | $38K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 612 | $447K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 612 | $447K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 612 | $447K |
| Other(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 1,282 | $8.3M |
| 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.