| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | — | THE NORTH RIVER INSURANCE COMPANY | $56K | $0 | $56K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | EYEMED VISION CARE ON BEHALF OFIDELITY SECURITY LIFE INSURANCE COMPANY | $10K | $0 | $10K | 7.99% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $74K | $0 | $74K | 143.32% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $322 | $322 | 0.62% |
| RSC INSURANCE BROKERAGE INC3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $51K | $0 | $51K | — |
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 | 1,492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OFIDELITY SECURITY LIFE INSURANCE COMPANY | 3,077 | $127K |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,492 | $79K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,507 | $245K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | THE NORTH RIVER INSURANCE COMPANY | 3,148 | $376K |
| Other(9 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,492 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,148 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.