| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | — | MASS GENERAL BRIGHAM HEALTH PLAN | $20K | $0 | $20K | 2.20% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | ALTUS DENTAL INSURANCE COMPANY, INC | $4K | $0 | $4K | 6.37% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - (SEE ATTACHED) | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 42.62% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - (SEE ATTACHED) | — | COMBINED INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 58.59% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 20.16% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $4K | 17.39% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - (SEE ATTACHED) | — | COMBINED INSURANCE | $6K | $0 | $6K | 78.83% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W VEVA 16 STE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $900 | $237 | $1K | 18.94% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $325 | $234 | $559 | 14.25% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MASS GENERAL BRIGHAM HEALTH PLAN | 58 | $904K |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC | 144 | $64K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 54 | $6K |
| Life insurance(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 89 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $21K |
| Prescription drug | MASS GENERAL BRIGHAM HEALTH PLAN | 58 | $904K |
| Other(3 contracts, 3 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 140 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.