| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | — | MASS GENERAL BRIGHAM HEALTH PLAN | $57K | $0 | $57K | 1.40% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W VEVA 16 STE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $5K | $11K | 5.91% |
| RSC INSURANCE BROKERAGE INC3 | 1350 AVENUE OF AMERICAS NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 13.70% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NC 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $3K | $4K | 4.86% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $707 | $1K | $2K | 2.12% |
| RSC INSURANCE BROKERAGE INC3 | 1350 AVENUE OF AMERICAS FLOORS 18 AND 19 NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 15.54% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $942 | $2K | $3K | 4.82% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $482 | $724 | $1K | 2.11% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1350 AVENUE OF AMERICAS FLOORS 18 AND 19 NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 15.83% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $899 | $2K | $3K | 4.85% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $475 | $710 | $1K | 2.15% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC BOSTON | 160 FEDERAL STREET BOSTON, MA 01982 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $2K | $0 | $2K | 8.43% |
| RSC INSURANCE BROKERAGE INC3 | 1350 AVENUE OF AMERICAS NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 29.48% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $145 | $282 | $427 | 4.85% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $75 | $112 | $187 | 2.12% |
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 | 446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MASS GENERAL BRIGHAM HEALTH PLAN | 221 | $4.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $185K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | 176 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $55K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $57K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $84K |
| Prescription drug | MASS GENERAL BRIGHAM HEALTH PLAN | 221 | $4.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.