| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES CO | 333 WEST WACKER DRIVE, STE 1950 CHICAGO, IL 60606 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $33K | $10K | $43K | 2.73% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES | 333 WEST WACKER DRIVE CHICAGO, IL 60606 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $4K | — | $4K | 4.25% |
| RSC INSURANCE BROKERAGE INC3 | 333 W WACKER DR STE 1950 CHICAGO, IL 60606 | GUARDIAN | $9K | $3K | $12K | 19.12% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 2FL BOSTON, MA 021101700 | VISION SERVICE PLAN | $768 | — | $768 | 7.48% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 220 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 230 | $86K |
| Vision | VISION SERVICE PLAN | 67 | $10K |
| Life insurance | GUARDIAN | 112 | $64K |
| Short-term disability | GUARDIAN | 112 | $64K |
| Long-term disability | GUARDIAN | 112 | $64K |
| Other | GUARDIAN | 112 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.