| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $48K | — | $48K | 1.23% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $26K | — | $26K | 1.26% |
| RSC INSURANCE BROKERAGE INC3 | 333 WEST WACKER DRIVE SUITE 1950 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $12K | $15K | 4.63% |
| EMERSON REID LLC3 | 167 ARCHER ROAD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 4.35% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.53% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOASTON, MA 02110 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 13.76% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | EMPIRE STATE BUILDING 350 5TH AVENUE STE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 3.76% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOASTON, MA 02110 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 13.72% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | EMPIRE STATE BUILDING 350 5TH AVE STE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.57% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOASTON, MA 02110 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 13.79% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | EMPIRE STATE BUILDING 350 5TH AVE STE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.66% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $2K | — | $2K | 4.05% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $215 | — | $215 | 1.15% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 21.28% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT STREET FLOOR 11 BOSTON, MA 02108 | RELIASTAR LIFE INSURANCE COMPANY | — | $413 | $413 | 3.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC ISURANCE BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $9 | — | $9 | 0.29% |
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 | 706 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 708 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HARVARD PILGRIM HEALTH CARE | 549 | $6.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 431 | $328K |
| Vision | VISION SERVICE PLAN | 271 | $41K |
| Life insurance | STANDARD INSURANCE COMPANY | 732 | $87K |
| Short-term disability | STANDARD INSURANCE COMPANY | 338 | $127K |
| Long-term disability | STANDARD INSURANCE COMPANY | 732 | $108K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 732 | $101K |
| 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.