| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $28K | $0 | $28K | 0.94% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $6K | $0 | $6K | 0.94% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $2K | $0 | $2K | 1.04% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 13.80% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PARKWAY WEST VEVA 16#3210 BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.60% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 13.80% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PARKWAY WEST VEVA 16#320 BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.60% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $208 | $0 | $208 | 1.22% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $940 | $0 | $940 | 6.59% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $8 | $0 | $8 | 0.21% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $10 | $0 | $10 | 0.32% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | HARVARD PILGRIM HEALTH CARE | 341 | $3.9M |
| Vision | VISION SERVICE PLAN | 108 | $14K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 291 | $73K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 259 | $78K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 347 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.