| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BKGE DBA RISK STRATAGIES | 160 FEDERAL STREET BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $73K | $21K | $93K | 2.98% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST. SUITE 424 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.24% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.76% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | ONE INTEGRITY PKWY CLEVELAND, OH 44143 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $616 | $0 | $616 | 0.86% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.39% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.72% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | ONE INTEGRITY PKWY CLEVELAND, OH 44143 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $242 | $0 | $242 | 0.87% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE | $4K | $0 | $4K | 14.07% |
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 | 566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 489 | $3.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 489 | $3.1M |
| Vision | EYEMED VISION CARE | 408 | $26K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 566 | $72K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $28K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 566 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.