| 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 | $5K | $61K | $67K | 3.10% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.02% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $172 | $172 | 0.37% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 15.48% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.09% |
| WILLIAM T HENRY3 Filed as: WILLIAM P MUMPER | SEE PMC MANCHESTER, NH 03102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.56% |
| THOMAS P MCKIERNAN3 | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.54% |
| RYAN JAMES CLEPPER3 Filed as: RYAN J CLEPPER | 124 EDGELL STREET GARDNER, MA 01440 | CONTINENTAL AMERICAN INSURANCE COMPANY | $926 | — | $926 | 2.18% |
| BENEDIKT N MASON3 | 17 LITTLE BEAR HILL ROAD WESTFORD, MA 01886 | CONTINENTAL AMERICAN INSURANCE COMPANY | $802 | — | $802 | 1.89% |
| ANDREW G BLUNDON3 | 24 MAINE STREET APARTMENT 5 NEW HAMPSHIRE, NH 03275 | CONTINENTAL AMERICAN INSURANCE COMPANY | $513 | — | $513 | 1.21% |
| BENEDIKT N MASON3 | 17 LITTLE BEAR HILL ROAD WESTFORD, MA 01886 | CONTINENTAL AMERICAN INSURANCE COMPANY | $352 | — | $352 | 0.83% |
| ALEXANDER R DEQUATTRO3 | 8 WHISPERKING PINE CIRCLE WORCESTER, MA 01606 | CONTINENTAL AMERICAN INSURANCE COMPANY | $349 | — | $349 | 0.82% |
| KYLE A SCHOALES3 | 23 BARTHEL AVENUE GARDNER, MA 01440 | CONTINENTAL AMERICAN INSURANCE COMPANY | $202 | — | $202 | 0.48% |
| ROBERT S ZEMAN3 | 154 FLAGSTONE DRIVE APARTMENT 12 NASHUA, NH 03063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.31% |
| RYAN JAMES CLEPPER3 | 124 EDGELL STREET GARDNER, MA 01440 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.11% |
| JAMES E BACON3 Filed as: JAMES BACON | 25 MOUNTAIN HOME ROAD LONDONDERRY, NH 03053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.09% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 20.86% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 3300 NORTH SCOTTSDALE ROAD APARTMENT 4020 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.86% |
| THOMAS P MCKIERNAN3 | 3015 NORTH SCOTTSDALE ROAD UNIT 1210 SCOTTSDALE, AZ 85251 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.82% |
| WILLIAM MUMPER3 | 22 COTTON ROAD NASHUA, NH 03063 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.26% |
| RICHARD A ST JEAN3 | 101 FEDERAL STREET SUITE 800 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $928 | $534 | $1K | 5.38% |
| RYAN JAMES CLEPPER3 | 22 COTTON ROAD NASHUA, NH 03063 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $558 | — | $558 | 2.05% |
| KYLE A SCHOALES3 | 22 COTTON ROAD SUITE 250 NASHUA, NH 03063 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $422 | — | $422 | 1.55% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.78% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $94 | $94 | 0.37% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.43% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $41 | $41 | 0.37% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 57.35% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8 | $8 | 0.36% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 133 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 133 | $2.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 133 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $11K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $47K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $26K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 172 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.