| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | FALLON HEALTH | $31K | — | $31K | 1.91% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $2K | — | $2K | 1.71% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $3K | — | $3K | 2.77% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 14.27% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 6.60% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 446 MAIN STREET FLOOR 19 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $532 | — | $532 | 0.73% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 14.33% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.59% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 446 MAIN STREET FLOOR 19 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $143 | — | $143 | 0.66% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.29% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $938 | $938 | 6.52% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 446 MAIN STREET FLOOR 19 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $103 | — | $103 | 0.72% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.34% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $815 | $815 | 6.59% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 446 MAIN STREET FLOOR 19 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $82 | — | $82 | 0.66% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $726 | — | $726 | 10.00% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FALLON HEALTH | 178 | $1.8M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 240 | $113K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 55 | $7K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $27K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 55 | $73K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $22K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
No prospect flags tripped on this filing.