| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | — | ALLWAYS HEALTH PARTNERS | $18K | — | $18K | 2.76% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 970069 BOSTON, MA 02297 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $2K | — | $2K | 3.28% |
| IMA, INC.3 Filed as: IMA GROUP BENEFITS, LLC | 306 MAIN STREET THE DAY BUILDING WORCESTER, MA 01608 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $660 | $397 | $1K | 16.01% |
| IMA, INC.3 Filed as: IMA GROUP BENEFITS, LLC | 306 MAIN STREET THE DAY BUILDING WORCESTER, MA 01608 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $204 | $307 | $511 | 24.99% |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLWAYS HEALTH PARTNERS | 66 | $648K |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 125 | $47K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 89 | $7K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $2K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 89 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.