| 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. | $182K | $6K | $188K | 15.62% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST FLOOR 6 BOSTON, MA 02110 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $40K | $0 | $40K | 15.00% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 10118 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $13K | $13K | 5.00% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $34K | $0 | $34K | 15.00% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 10118 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $11K | $11K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.06% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST FLOOR 4 BOSTON, MA 02110 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | $0 | $8K | 15.00% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 10118 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $3K | $3K | 5.00% |
| HALLIGAN, GREGORY M3 Filed as: HALLIGAN, GREGORY | 292 PARK AVENUE WORCESTER, MA 01609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 14.90% |
| SULLIVAN GARRITY & DONNELLY INC3 Filed as: SULLIVAN GARRITY & DONNELLY INSURAN | 10 INSTITUTE ROAD SUITE 1 WORCESTER, MA 01609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.73% |
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 | 665 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 729 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 390 | $62K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 665 | $265K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 190 | $54K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 665 | $226K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 662 | $1.2M |
| Other(4 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 665 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.