| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BKGE DBA RISK STRATAGIES CO | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $91K | $18K | $110K | 6.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST. BOSTON, MA 02110 | SYMETRA LIFE INSURANCE COMPANY | $81K | $27K | $109K | 12.09% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST 5TH FL WORCESTER, MA 01608 | SYMETRA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 2.02% |
| RSC INSURANCE BROKERAGE INC3 Filed as: R S C INS BKGE DBA RISK STRATAGIES | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $26K | $0 | $26K | 2.99% |
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 | 1,973 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 439 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,916 | $855K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 2,177 | $899K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 2,177 | $899K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 2,177 | $899K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 2,030 | $1.8M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 2,177 | $899K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,177 | — |
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.