| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | FALLON HEALTH | $53K | — | $53K | 1.42% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $3K | — | $3K | 1.36% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $4K | — | $4K | 2.16% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | FALLON HEALTH | $53K | — | $53K | 34.59% |
| RSC INSURANCE BROKERAGE INC3 | 446 MAIN STREET 19 FLOOR WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.89% |
| RSC INSURANCE BROKERAGE INC3 | 446 MAIN STREET 19 FLOOR WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $560 | — | $560 | 8.34% |
| RSC INSURANCE BROKERAGE INC3 | 333 WEST WACKER DRIVE SUITE 1950 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $112 | — | $112 | 1.67% |
| R FINE & R FINE INS LLC3 | 1101 WORCESTER ROAD FRAMINGHAM, MA 01701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.16% |
| BULFINCH GROUP INSURANCE AGY L3 | 160 GOULD STREET SUITE 310 NEEDHAM, MA 02494 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.01% |
| WENDY POOLE PYNE3 Filed as: WENDY J POOLE PYNE | 206 EAST UNION STREET ASHLAND, MA 01721 | AFLAC | $216 | $56 | $272 | 4.17% |
| STEVEN R KARAS3 | 29 CRAFTS STREET SUITE 550 NEWTON, MA 02458 | AFLAC | $221 | $11 | $232 | 3.55% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $94 | $11 | $105 | 1.61% |
| BRIAN R ROBBINS3 | 2 PILGRIM CIRCLE WARWICK, RI 02888 | AFLAC | $103 | — | $103 | 1.58% |
| BRYAN T FITTS3 | 16 MAGNOLIA AVE APT 3 GLOUCESTER, MA 01930 | AFLAC | $48 | — | $48 | 0.74% |
| JOHN B DRZEWIECKI JR3 | 370 SOUTHSHIRE DRIVE BENNINGTON, VT 05201 | AFLAC | $45 | — | $45 | 0.69% |
| WEX INC3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $30 | $11 | $41 | 0.63% |
| BRANDON R ROYCE3 | 29 CRAFTS STREET SUITE 550 NEWTON, MA 02458 | AFLAC | $22 | — | $22 | 0.34% |
| KAREN TUCCI3 | 73 STETSON DRIVE MARLBOROUGH, MA 01752 | AFLAC | $8 | — | $8 | 0.12% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $4 | — | $4 | 0.06% |
| WENDY POOLE PYNE3 Filed as: WENDY J POOLE PYNE | 206 EAST UNION STREET ASHLAND, MA 01721 | AFLAC | $138 | $46 | $184 | 3.73% |
| STEVEN R KARAS3 Filed as: STEVEN KARAS | 29 CRAFTS STREET SUITE 550 NEWTON, MA 02458 | AFLAC | $161 | $9 | $170 | 3.44% |
| BRIAN R ROBBINS3 | 2 PILGRIM CIRCLE WARWICK, RI 02888 | AFLAC | $81 | — | $81 | 1.64% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $52 | $9 | $61 | 1.24% |
| WEX INC3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $17 | $9 | $26 | 0.53% |
| BRANDON R ROYCE3 | 29 CRAFTS STREET SUITE 550 NEWTON, MA 02458 | AFLAC | $25 | — | $25 | 0.51% |
| JOHN B DRZEWIECKI JR3 | 370 SOUTHSHIRE DRIVE BENNINGTON, VT 05201 | AFLAC | $25 | — | $25 | 0.51% |
| KAREN TUCCI3 | 73 STETSON DRIVE MARLBOROUGH, MA 02492 | AFLAC | $19 | — | $19 | 0.38% |
| BRYAN T FITTS3 | 16 MAGNOLIA AVE APT 3 GLOUCESTER, MA 01930 | AFLAC | $15 | — | $15 | 0.30% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $9 | — | $9 | 0.18% |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | FALLON HEALTH | 618 | $4.1M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 382 | $176K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 47 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 360 | $90K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 310 | $63K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 360 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 618 | — |
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.