| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $24K | — | $24K | 2.54% |
| 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 | $4K | — | $4K | 4.34% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 2.54% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.13% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $5K | $10K | 27.04% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 23.95% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $531 | — | $531 | 2.54% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $508 | — | $508 | 2.54% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $296 | — | $296 | 2.34% |
| RSC INSURANCE BROKERAGE INC3 Filed as: R S C INS BKGE DBA RISK STRATAGIES | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $1K | — | $1K | 10.00% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $997 | $596 | $2K | 23.97% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | HARVARD PILGRIM HEALTH CARE | 187 | $1.1M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 228 | $88K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 67 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $7K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $86K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $32K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.