| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $36K | $0 | $36K | 3.26% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $4K | $7K | 7.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 970069 BOSTON, MA 02297 | DELTA DENTAL | $3K | $0 | $3K | 3.00% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $3K | $0 | $3K | 3.25% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 32.24% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $784 | $0 | $784 | 3.26% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 27.26% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $553 | $0 | $553 | 3.04% |
| RSC INSURANCE BROKERAGE INC3 Filed as: R S C INS BKGE DBA RISK STRATAGIES | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $1K | $0 | $1K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | — | HARVARD PILGRIM HEALTH CARE | $289 | $0 | $289 | 3.14% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $881 | $2K | 27.42% |
| RSC INSURANCE BROKERAGE INC Filed as: RSC INSURANCE BROKERAGE, INC. | — | HARVARD PILGRIM HEALTH CARE | $19 | — | $19 | 3.23% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | — | — | $0 | — |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts) | HARVARD PILGRIM HEALTH CARE | 192 | $1.2M |
| Dental | DELTA DENTAL | 225 | $85K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 129 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $7K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 392 | $115K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $36K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.