| 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. | $49K | $18K | $67K | 2.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 980 WASHINGTON ST SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $14K | — | $14K | 0.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON ST SUITE 325 DEDHAM, MA 02026 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.42% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST. BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.36% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | ONE INTEGRITY PKWY CLEVELAND, OH 44143 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON ST SUITE 325 DEDHAM, MA 02026 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | ONE INTEGRITY PKWY CLEVELAND, OH 44143 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $744 | — | $744 | 2.50% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE | $2K | — | $2K | 8.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 980 WASHINGTON ST SUITE 325 DEDHAM, MA 02026 | EYEMED VISION CARE | $808 | — | $808 | 3.28% |
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 | 580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 440 | $3.3M |
| Vision | EYEMED VISION CARE | 398 | $25K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 580 | $76K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $30K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 580 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.