| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $209K | $10K | $219K | 19.74% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 7.42% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE | $9K | — | $9K | 7.97% |
| JAMES W. MOORADIAN3 Filed as: JAMES W MOORADIAN | 277 DARTMOUTH STREET 4TH FL BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY | $352 | — | $352 | 2.48% |
| BRYAN LAMBERT3 Filed as: BRYAN E LAMBERT | 277 DARTMOUTH STREET 4TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY | $322 | — | $322 | 2.27% |
| JAMES J HOOGASIAN3 | ONE WEST BOYLSTON STREET SUITE 101 WORCHESTER, MA 01605 | UNUM LIFE INSURANCE COMPANY | $154 | — | $154 | 1.08% |
| KERRI MELLEY3 | 71 ELM STREET SUITE 202 WORCESTER, MA 01609 | UNUM LIFE INSURANCE COMPANY | $37 | — | $37 | 0.26% |
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 | 1,376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 104 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 2,448 | $112K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,462 | $1.3M |
| Short-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,462 | $1.3M |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,462 | $1.3M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,238 | $1.1M |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,462 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,448 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.