| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $199K | — | $199K | 18.90% |
| MICHAEL P TSOTSIS3 Filed as: MICHAEL P TSOSIS | 446 MAIN STREET 14TH FLOOR WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 2.28% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 1.63% |
| JAMES W. MOORADIAN3 Filed as: JAMES W MOORDIAN | 277 DARTMOUTH STREET 4TH FL BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.06% |
| BRYAN LAMBERT3 Filed as: BRYAN E LAMBERT | 277 DARTMOUTH STREET 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.04% |
| JAMES J HOOGASIAN3 | 1 W BOYLSTON STREET SUITE 101 WORCESTER, MA 01605 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $410 | — | $410 | 0.35% |
| KERRI MELLEY3 | 71 ELM STREET SUITE 202 WORCESTER, MA 01609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $410 | — | $410 | 0.35% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE | $8K | — | $8K | 7.97% |
| CHRISTOPHER POWERS3 | 446 MAIN STREET 19TH FLOOR WORCESTER, MA 01608 | EYEMED VISION CARE | $327 | — | $327 | 0.32% |
| MICHAEL P TSOTSIS3 | 466 MAIN STREET 14TH FLOOR WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET WORCESTER, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $974 | $974 | 1.63% |
| JAMES W. MOORADIAN3 Filed as: JAMES W MOORADIAN | 277 DARTMOUTH STREET 4TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $154 | — | $154 | 1.61% |
| BRYAN LAMBERT3 Filed as: BRYAN E LAMBERT | 277 DARTMOUTH STREET 4TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $148 | — | $148 | 1.55% |
| JAMES J HOOGASIAN3 | 1 W BOYLSTON STREET SUITE 101 WORCHESTER, MA 01605 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38 | — | $38 | 0.40% |
| KERRI MELLEY3 | 71 ELM STREET SUITE 202 WORCESTER, MA 01609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38 | — | $38 | 0.40% |
| JAMES W. MOORADIAN3 Filed as: JAMES W MOORADIAN | 277 DARTMOUTH STREET 4TH FL BOSTON, MA 02116 | FIRST UNUM LIFE INSURANCE COMPANY | $6 | — | $6 | 0.84% |
| BRYAN LAMBERT3 Filed as: BRYAN E LAMBERT | 277 DARTMOUTH STREET 4TH FLOOR BOSTON, MA 02116 | FIRST UNUM LIFE INSURANCE COMPANY | $6 | — | $6 | 0.84% |
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 | 1,382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 2,396 | $104K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,382 | $717K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,382 | $657K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,382 | $657K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,206 | $1.1M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,382 | $845K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,396 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.