| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | C/O MOSSE MOSSE 50 SALEM ST BLDG B LYNNFIELD, MA 01940 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 14.34% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE STE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 17.18% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 2040 MAIN ST #450 IRVINE, CA 92614 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 7.08% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE STE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 14.21% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 2040 MAIN ST #450 IRVINE, CA 92614 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 11.50% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE STE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 15.46% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 2040 MAIN ST #450 IRVINE, CA 92614 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 10.29% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 206 | $95K |
| Short-term disability(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 145 | $70K |
| Long-term disability(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 161 | $85K |
| Other | BOSTON MUTUAL LIFE INSURANCE COMPANY | 145 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.