| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | — | HARVARD PILGRIM HEALTH CARE | $35K | — | $35K | 1.26% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $17K | — | $17K | 1.26% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $17K | — | $17K | 1.26% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 3.00% |
| RSC INSURANCE BROKERAGE INC3 | 333 WEST WACKER DRIVE SUITE 1950 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.16% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOASTON, MA 02110 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 17.78% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.50% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOASTON, MA 02110 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 17.88% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.67% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOASTON, MA 02110 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 23.22% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.61% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC ISNURANCE BROKERAGE, INC. | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $2K | — | $2K | 4.04% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC ISURANCE BROKERAGE INC. | — | HARVARD PILGRIM HEALTH CARE | $305 | — | $305 | 1.26% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $216 | — | $216 | 1.26% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS, INC. | 101 TREMONT STREET FLOOR 11 BOSTON, MA 02108 | RELIASTAR LIFE INSURANCE COMPANY | — | $356 | $356 | 3.00% |
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 | 732 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 58 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 795 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | HARVARD PILGRIM HEALTH CARE | 439 | $5.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 415 | $305K |
| Vision | VISION SERVICE PLAN | 287 | $41K |
| Life insurance | STANDARD INSURANCE COMPANY | 732 | $90K |
| Short-term disability | STANDARD INSURANCE COMPANY | 338 | $126K |
| Long-term disability | STANDARD INSURANCE COMPANY | 732 | $111K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 732 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 732 | — |
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."
No prospect flags tripped on this filing.