| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS | PO BOX 1023 BURLINGTON, MA 01803 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $32K | $0 | $32K | 3.94% |
| SOLUTIONS & BENEFITS LLC3 Filed as: SOLUTIONS, INC. | PO BOX 1023 BURLINGTON, MA 01803 | TUFTS INSURANCE COMPANY | $22K | $0 | $22K | 3.98% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 7500 OLD GEORGETOWN ROAD, SUITE 925 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 7500 OLD GEORGETOWN ROAD, SUITE 925 BETHESDA, MD 20814 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $10K | $0 | $10K | 8.03% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | PO BOX 736061 CHICAGO, IL 60673 | VISION SERVICE PLAN | $942 | $0 | $942 | 6.12% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 111 SOUTH BEDFORD STREET BURLINGTON, MA 01803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $793 | $0 | $793 | 7.50% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 111 SOUTH BEDFORD STREET BURLINGTON, MA 01803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $230 | $0 | $230 | 2.64% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 153 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 251 | $122K |
| Vision | VISION SERVICE PLAN | 90 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 341 | $137K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 341 | $137K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 341 | $137K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 153 | $1.4M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 341 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.