| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST. BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 1.43% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 50 SALEM ST, BLDG B LYNNFIELD, MA 01940 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 50 SALEM ST, BLDG B LYNNFIELD, MA 01940 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 50 SALEM ST, BLDG B LYNNFIELD, MA 01940 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 130 | $93K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 74 | $20K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 130 | $56K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 98 | $375K |
| Other(2 contracts) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 130 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.