| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BKGE DBA RISK STRATEGIES CO | 2 NORTHFIELD PLAZA NORTHFIELD, IL 60093 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $65K | — | $65K | 0.66% |
| MHA INSURANCE AGENCY3 Filed as: MHA INSURANCE AGENCY, INC. | 5 NEW ENGLAND EXECUTIVE PARK BURLINGTON, MA 01803 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $20K | — | $20K | 10.70% |
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 | 8,893 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 18,639 | $9.9M |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 4,089 | $219K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 7,950 | $1.9M |
| Short-term disability | STANDARD INSURANCE COMPANY | 3,973 | $1.5M |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 7,832 | $2.2M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 18,639 | $9.9M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 18,639 | $10.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,639 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.