| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | FALLON HEALTH | $7K | — | $7K | 1.04% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $381 | — | $381 | 1.00% |
| 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 | $2K | — | $2K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | FALLON HEALTH | $7K | — | $7K | 27.68% |
| RSC INSURANCE BROKERAGE INC3 | 333 WEST WACKER DRIVE SUITE 1950 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $129 | — | $129 | 9.98% |
| DAILYFEATS INC.3 | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 1.62% |
| BULFINCH GROUP INSURANCE AGENCY3 | 160 GOULD STREET #310 NEEDHAM, MA 02494 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.08% |
| WENDY POOLE PYNE3 Filed as: WENDY J POOLE PYNE | 206 EAST UNION STREET ASHLAND, MA 01721 | AFLAC | $23 | — | $23 | 3.11% |
| STEVEN R KARAS3 | 2000 COMMON WEALTH AVENUE SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $19 | — | $19 | 2.57% |
| BRIAN R ROBBINS3 | 2 PILGRIM CIRCLE WARWICK, RI 02888 | AFLAC | $11 | — | $11 | 1.49% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $9 | — | $9 | 1.22% |
| JOHN B DRZEWIECKI JR3 | 370 SOUTHSHIRE DRIVE BENNINGTON, VT 05201 | AFLAC | $5 | — | $5 | 0.68% |
| STEVEN R KARAS3 | 2000 COMMONWEALTH AVENUE SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $4 | — | $4 | 0.54% |
| BRYAN T FITTS3 | 16 MAGNOLIA AVENUE APARTMENT 3 GLOUCESTER, MA 01930 | AFLAC | $4 | — | $4 | 0.54% |
| WEX INC3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $3 | — | $3 | 0.41% |
| BRANDON R ROYCE3 | 2000 COMMONWEALTH AVENUE SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $3 | — | $3 | 0.41% |
| KAREN TUCCI3 | 73 STETSON DRIVE MARLBOROUGH, MA 01752 | AFLAC | $1 | — | $1 | 0.14% |
| MARGARET E LOCHNER3 | 365 WALLOOMSAC ROAD BENNINGTON, VT 05201 | AFLAC | $1 | — | $1 | 0.14% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $1 | — | $1 | 0.14% |
| WENDY POOLE PYNE3 Filed as: WENDY J POOLE PYNE | 206 EAST UNION STREET ASHLAND, MA 01721 | AFLAC | $13 | — | $13 | 3.11% |
| STEVEN R KARAS3 | 2000 COMMON WEALTH AVENUE SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $10 | — | $10 | 2.39% |
| BRIAN R ROBBINS3 | 2 PILGRIM CIRCLE WARWICK, RI 02888 | AFLAC | $6 | — | $6 | 1.44% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $6 | — | $6 | 1.44% |
| BRANDON R ROYCE3 | 2000 COMMON WEALTH AVENUE SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $4 | — | $4 | 0.96% |
| STEVEN R KARAS3 | 2000 COMMONWEALTH AVENUE SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $3 | — | $3 | 0.72% |
| JOHN B DRZEWIECKI JR3 | 370 SOUTHSHIRE DRIVE BENNINGTON, VT 05201 | AFLAC | $3 | — | $3 | 0.72% |
| WEX INC3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $2 | — | $2 | 0.48% |
| MARGARET E LOCHNER3 | 365 WALLOOMSAC ROAD BENNINGTON, VT 05201 | AFLAC | $1 | — | $1 | 0.24% |
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 | 356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | FALLON HEALTH | 592 | $692K |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 400 | $31K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 353 | $1K |
| Life insurance(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 356 | $2K |
| Short-term disability(2 contracts) | AFLAC | 9 | $1K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $0 |
| Other(3 contracts, 2 carriers) | AFLAC | 356 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.