| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $56K | — | $56K | 2.01% |
| MICHAEL P TSOTSIS3 | — | HARVARD PILGRIM HEALTH CARE | $4 | — | $4 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $31K | — | $31K | 2.00% |
| MICHAEL P TSOTSIS3 | — | HARVARD PILGRIM HEALTH CARE | $2 | — | $2 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $24K | — | $24K | 1.98% |
| MICHAEL P TSOTSIS3 | — | HARVARD PILGRIM HEALTH CARE | $2 | — | $2 | 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 | 2.70% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | SYMETRA LIFE INSURANCE COMPANY | $25K | $3K | $28K | 14.17% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN STREET 5TH FLOOR WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $7K | — | $7K | 3.38% |
| RSC INSURANCE BROKERAGE INC3 | — | HPHC INSURANCE COMPANY | $3K | — | $3K | 2.01% |
| EMERSON REID LLC3 | 1305 WALT WHITMON ROAD SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $11K | $4K | $15K | 20.02% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | — | $796 | $796 | 1.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 470 PARK AVENUE SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $254 | $254 | 0.33% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $708 | — | $708 | 1.94% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $140 | — | $140 | 2.01% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $43 | — | $43 | 1.99% |
| SULLIVAN INSURANCE AGENCY3 Filed as: SULLIVAN INSURANCE GROUP, INC. | 1 MERCANTILE STREET, SUITE 710 WORCESTER, MA 01602 | FEDERAL INSURANCE COMPANY | — | $242 | $242 | 14.99% |
| RSC INSURANCE BROKERAGE INC3 | — | HPHC INSURANCE COMPANY | $17 | — | $17 | 1.99% |
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 | 622 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 478 | $5.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 287 | $331K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 622 | $195K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 623 | $77K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 622 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.