| 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. | $235K | $5K | $241K | 15.34% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET BOSTON, MA 02110 | LINCOLN LIFE ASSURANCE COMPANY | $45K | $0 | $45K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PWY W VEVA 13#320 BLUE BELL, PA 19422 | LINCOLN LIFE ASSURANCE COMPANY | $19K | $7K | $26K | 8.74% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $0 | $37K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16#320 BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $16K | $22K | 8.86% |
| HALLIGAN, GREGORY M3 | 292 PARK AVENUE WORCESTER, MA 01609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 15.00% |
| SULLIVAN GARRITY & DONNELLY INC3 Filed as: SULLIVAN GARRITY & DONNELLY IN | 10 INSTITUTE ROAD SUITE 1 WORCESTER, MA 01609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.75% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 970069 BOSTON, MA 02297 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET BOSTON, MA 02110 | LINCOLN NATIONAL INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PWKY W VEVA 16#320 BLUE BELL, PA 19422 | LINCOLN NATIONAL INSURANCE COMPANY | $676 | $3K | $4K | 13.74% |
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 | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 457 | $73K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY | 665 | $302K |
| Short-term disability | LINCOLN NATIONAL INSURANCE COMPANY | 202 | $29K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 672 | $246K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,480 | $1.6M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY | 665 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,480 | — |
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.