| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE | 420 LEXINGTON AVE SUITE 2700 NEW YORK, NY 10170 | HUMANA HEALTH BENEFIT PLAN | $9K | — | $9K | 2.31% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 669 RIVER DR CTR II ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 2.05% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 1.97% |
| BAYSTATE BENEFIT SERVICES3 | 400 WASHINGTON ST SUITE 400 BRAINTREE, MA 02184 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 1.55% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER | 700 AIRPORT BLVD STE 300 BURLINGAME, CA 94010 | KAISER PERMANENTE | $2K | — | $2K | 3.45% |
| BAYSTATE BENEFIT SERVICES3 | 400 WASHINGTON ST STE 400 BRAINTREE, MA 02184 | KAISER PERMANENTE | $2K | — | $2K | 2.51% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | SUITE 2700 420 LEXINGTON AVE NEW YORK, NY 10170 | TUFTS INSURANCE COMPANY | $11K | $6K | $17K | 58.44% |
| BAYSTATE BENEFIT SERVICES3 | 400 WASHINGTON ST SUITE 400 BRAINTREE, MA 02184 | TUFTS INSURANCE COMPANY | $12K | — | $12K | 41.55% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA HEALTH BENEFIT PLAN | 176 | $472K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $119K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.