| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $56K | $62K | 3.12% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.58% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 12.87% |
| THOMAS P MCKIERNAN3 | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.75% |
| WILLIAM T HENRY3 Filed as: WILLIAM P MUMPER | 20 LOMAR PARK PEPPERELL, MA 01463 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.71% |
| BENEDIKT N MASON3 | 17 LITTLE BEAR HILL ROAD WESTFORD, MA 01886 | CONTINENTAL AMERICAN INSURANCE COMPANY | $628 | — | $628 | 2.31% |
| RYAN JAMES CLEPPER3 Filed as: RYAN J CLEPPER | 124 EDGELL STREET GARDNER, MA 01440 | CONTINENTAL AMERICAN INSURANCE COMPANY | $612 | — | $612 | 2.25% |
| KYLE A SCHOALES3 | 23 BARTHEL AVENUE GARDNER, MA 01440 | CONTINENTAL AMERICAN INSURANCE COMPANY | $510 | — | $510 | 1.88% |
| ROBERT S ZEMAN3 | 154 FLAGSTON EAST DRIVE APARTMENT 12 NASHUA, NH 03063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $279 | — | $279 | 1.03% |
| JAMES E BACON3 Filed as: JAMES BACON | 25 MOUNTAIN ROAD LONDONDERRY, NH 03053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | — | $87 | 0.32% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.92% |
| THOMAS P MCKIERNAN3 | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 37.33% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 900 STEWART AVENUE SUITE 505 GARDEN CITY, NY 11530 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 36.00% |
| RICHARD A ST JEAN3 | 101 FEDERAL STREET SUITE 800 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $372 | $2K | 12.79% |
| RYAN JAMES CLEPPER3 | 22 COTTON ROAD NASHUA, NH 03063 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.29% |
| WILLIAM MUMPER3 | 22 COTTON ROAD NASHUA, NH 03063 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.57% |
| KYLE A SCHOALES3 | 22 COTTON ROAD SUITE 250 NASHUA, NH 03063 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.63% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $27 | — | $27 | 0.18% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $900 | — | $900 | 12.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $225 | — | $225 | 15.00% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 128 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 128 | $2.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 128 | $2.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $8K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $17K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 152 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.