| 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 | $22K | $0 | $22K | 2.58% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | ALTUS DENTAL INSURANCE COMPANY, INC | $4K | $0 | $4K | 6.32% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.79% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 8.71% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.41% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $827 | $0 | $827 | 5.18% |
| JOSHUA E MARMOR3 Filed as: JOSHUA E. MARMOR | 30 IRVING ROAD NATICK, MA 01760 | CONTINENTAL AMERICAN INSURANCE COMPANY | $428 | $0 | $428 | 2.68% |
| DAVID C. FLAHERTY3 | 105 THREE RIVERS DRIVE BRIDGEWATER, MA 02324 | CONTINENTAL AMERICAN INSURANCE COMPANY | $395 | $0 | $395 | 2.47% |
| ERIN F. MURPHY3 | 125 BUCK KNOLL ROAD RAYNHAM, MA 02767 | CONTINENTAL AMERICAN INSURANCE COMPANY | $360 | $0 | $360 | 2.26% |
| SHAW ASSOCIATES INC3 Filed as: SHAW ASSOCIATES, INC. | 3417 73RD STREET, SUITE R 1ST FLOOR SHARON, MA 02067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $295 | $0 | $295 | 1.85% |
| KENNETH H. PLATTER3 Filed as: KENNETH H. PLATTER AND OTHER AGENTS | 18 SCOTCH DAM ROAD SOUTH EASTON, MA 02375 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | $0 | $187 | 1.17% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 37.32% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 900 STEWART AVENUE, SUITE 505 GARDEN CITY, NY 11530 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 35.99% |
| JOSHUA E MARMOR3 Filed as: JOSHUA E. MARMOR | 34 HARWOOD ROAD NATICK, MA 01760 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $957 | $0 | $957 | 13.12% |
| RICHARD A ST JEAN3 Filed as: RICHARD A. ST. JEAN | 101 FEDERAL STREET, SUITE 800 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $790 | $0 | $790 | 10.83% |
| DAVID C. FLAHERTY3 Filed as: DAVID CHRISTOPHER FLAHERTY | 105 THREE RIVERS DRIVE BRIDGEWATER, MA 02324 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $503 | $0 | $503 | 6.90% |
| KENNETH H. PLATTER3 Filed as: KENNETH HOWARD PLATTER | 4 SPRING LANE, APARTMENT 1216 NORTON, MA 02766 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $184 | $0 | $184 | 2.52% |
| EPSIX, INC.3 | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.11% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $498 | $12 | $510 | 15.38% |
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 | 83 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FALLON HEALTH | 118 | $868K |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC | 149 | $65K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 26 | $3K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 84 | $49K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 84 | $42K |
| Prescription drug | FALLON HEALTH | 118 | $868K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 84 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.