| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 01982 | HARVARD PILGRIM HEALTH CARE | $91K | $15K | $106K | 3.04% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 01982 | HARVARD PILGRIM HEALTH CARE | $17K | $3K | $20K | 2.22% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 01982 | HARVARD PILGRIM HEALTH CARE | $14K | $2K | $16K | 2.85% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 2ND AND 4TH FLOOR BOSTON, MA 02110 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $46K | $0 | $46K | 19.89% |
| SELMAN & COMPANY, LLC5 | ONE INTEGRITY PARKWAY CLEVELAND, OH 44143 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $9K | $9K | 3.71% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $99 | $99 | 0.04% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | ALTUS DENTAL INSURANCE COMPANY, INC. | $6K | $0 | $6K | 3.50% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | ALTUS DENTAL INSURANCE COMPANY, INC. | $2K | $0 | $2K | 3.50% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | ALTUS DENTAL INSURANCE COMPANY, INC. | $2K | $0 | $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 | 455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTH CARE | 426 | $4.9M |
| Dental(3 contracts) | ALTUS DENTAL INSURANCE COMPANY, INC. | 332 | $237K |
| Vision | ALTUS DENTAL INSURANCE COMPANY, INC. | 351 | $23K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 455 | $233K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 455 | $233K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 455 | $233K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 455 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.