| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $38K | — | $38K | 1.39% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 1.39% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 1.34% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $12K | — | $12K | 16.16% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 5.00% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $10K | — | $10K | 16.17% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $3K | $3K | 5.00% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | — | $4K | 16.15% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $217 | — | $217 | 1.21% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $750 | — | $750 | 6.86% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $138 | — | $138 | 1.50% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | HARVARD PILGRIM HEALTH CARE | 361 | $3.2M |
| Vision | VISION SERVICE PLAN | 80 | $11K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 290 | $65K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 43 | $24K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 265 | $73K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 290 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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."
No prospect flags tripped on this filing.