| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $2K | $25K | 4.30% |
| COSTELLO BENEFITS GROUP3 | 800 WEST CUMMINGS PARK, SUITE 4000 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $2K | $22K | 3.82% |
| RSC INSURANCE BROKERAGE INC3 | 800 WEST CUMMINGS PARK, SUITE 4000 WOBURN, MA 01801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $6K | $45K | 10.07% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $4K | $27K | 5.95% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.71% |
| COSTELLO BENEFITS GROUP3 | 800 WEST CUMMINGS PARK, SUITE 4000 WOBURN, MA 01801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $852 | $6K | 1.38% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED | $6K | $0 | $6K | 6.50% |
| CBG BENEFITS GROUP3 | 800 WEST CUMMINGS PARK, SUITE 4000 WOBURN, MA 01801 | EYEMED | $2K | $0 | $2K | 1.67% |
| RSC INSURANCE BROKERAGE INC3 | 800 WEST CUMMINGS PARK, SUITE 4000 WOBURN, MA 01801 | HYATT LEGAL PLANS | $2K | $0 | $2K | 8.41% |
| COSTELLO BENEFITS GROUP3 | 800 WEST CUMMINGS PARK, SUITE 4000 WOBURN, MA 01801 | HYATT LEGAL PLANS | $194 | $121 | $315 | 1.25% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | HYATT LEGAL PLANS | $0 | $97 | $97 | 0.38% |
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 | 1,024 | 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) | 1,024 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 973 | $578K |
| Vision | EYEMED | 1,054 | $97K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,024 | $447K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,024 | $447K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,024 | $447K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,024 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,054 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.