| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | FALLON COMMUNITY HEALTH PLAN | $33K | — | $33K | 2.59% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | DELTA DENTAL OF MASSACHUSETTS | $2K | — | $2K | 2.03% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | FALLON COMMUNITY HEALTH PLAN | $2K | — | $2K | 2.24% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 01608 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $2K | $13K | 18.61% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 01608 | THE LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $791 | $4K | 18.23% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | THE LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $744 | $4K | 18.79% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $292 | $77 | $369 | 17.75% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | FALLON COMMUNITY HEALTH PLAN | 159 | $1.4M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 260 | $119K |
| Life insurance | THE LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $20K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 93 | $68K |
| Long-term disability | THE LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $21K |
| Other(2 contracts) | THE LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.