| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $35K | — | $35K | 1.30% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $25K | — | $25K | 0.93% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 1.36% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $5K | — | $5K | 0.98% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 1.32% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 0.95% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET BOSTON, MA 02110 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $10K | — | $10K | 16.34% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PARKWAY WEST VEVA 16#3210 BLUE BELL, PA 19422 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $283 | $3K | $3K | 5.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $3K | $3K | 4.42% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET BOSTON, MA 02110 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $10K | — | $10K | 16.36% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PARKWAY WEST VEVA 16#320 BLUE BELL, PA 19422 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $274 | $3K | $3K | 5.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $3K | $3K | 4.63% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $815 | — | $815 | 6.32% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $71 | — | $71 | 1.57% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $51 | — | $51 | 1.13% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC ISNURANCE BROKERAGE INC | — | HARVARD PILGRIM HEALTH CARE | -$17 | — | -$17 | -2.07% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | -$24 | — | -$24 | -2.92% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | HARVARD PILGRIM HEALTH CARE | 331 | $3.3M |
| Vision | VISION SERVICE PLAN | 84 | $13K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 283 | $61K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 249 | $64K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 283 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.