| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $55K | — | $55K | 2.00% |
| MICHAEL P TSOTSIS3 | — | HARVARD PILGRIM HEALTH CARE | $10 | — | $10 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $27K | — | $27K | 2.00% |
| MICHAEL P TSOTSIS3 | — | HARVARD PILGRIM HEALTH CARE | $5 | — | $5 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $22K | — | $22K | 2.00% |
| MICHAEL P TSOTSIS3 | — | HARVARD PILGRIM HEALTH CARE | $4 | — | $4 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: R S C INS BKGE DBA RISK STRATAGIES | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $9K | — | $9K | 2.71% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 2.00% |
| MICHAEL P TSOTSIS3 | — | HARVARD PILGRIM HEALTH CARE | $1 | — | $1 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | SYMETRA LIFE INSURANCE COMPANY | $13K | $860 | $14K | 15.97% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN STREET 5TH FLOOR WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 12.42% |
| EMERSON REID LLC3 | 1305 WALT WHITMON ROAD SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $3K | $954 | $4K | 5.16% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER | 160 FEDERAL STREET BOSTON, MA 01608 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| INDIGO INSURANCE SVC3 | 446 MAIN STREET 5TH FLOOR WORCESTER, MA 01608 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.00% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $376 | — | $376 | 2.00% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $143 | — | $143 | 2.01% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $69 | — | $69 | 1.67% |
| SULLIVAN INSURANCE AGENCY3 Filed as: SULLIVAN INSURANCE GROUP, INC. | 1 MERCANTILE STREET, SUITE 710 WORCESTER, MA 01602 | FEDERAL INSURANCE COMPANY | $242 | $28 | $270 | 16.73% |
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 | 625 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts) | HARVARD PILGRIM HEALTH CARE | 487 | $5.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 280 | $322K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 625 | $162K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 625 | $74K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 625 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 625 | — |
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.