| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: R S C INS BKGE DBA RISK STRATAGIES | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $9K | — | $9K | 2.68% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | SYMETRA LIFE INSURANCE COMPANY | $29K | $3K | $32K | 17.85% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN STREET 5TH FLOOR WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $12K | — | $12K | 6.75% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVENUE SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 11.90% |
| EMERSON REID LLC3 | EMPIRE STATE BUILDING 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 10018 | HARTFORD LIFE AND ACCIDENT | $961 | $320 | $1K | 9.96% |
| SULLIVAN INSURANCE AGENCY3 Filed as: SULLIVAN INSURANCE GROUP, INC. | 1 MERCANTILE STREET SUITE 710 WORCESTER, MA 01602 | FEDERAL INSURANCE COMPANY | — | $242 | $242 | 14.99% |
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 | 635 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 322 | $334K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 635 | $181K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 622 | $13K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 635 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.