| 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. | $28K | $6K | $34K | 3.50% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | DELTA DENTAL | $4K | — | $4K | 4.38% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.49% |
| WEX INC3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.49% |
| TSOTSIS, MICHAEL P3 Filed as: TSOTSIS MICHAEL P, | 446 MAIN STREET 14TH FLOOR WORCESTER, MA 01608 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $500 | — | $500 | 2.57% |
| RSC INSURANCE BROKERAGE INC3 | 446 MAIN STREET 19TH FLOOR WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.69% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $501 | — | $501 | 3.30% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $280 | $280 | 1.85% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 446 MAIN STREET 19TH FLOOR WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $926 | — | $926 | 11.67% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $264 | — | $264 | 3.33% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $162 | $162 | 2.04% |
| RSC INSURANCE BROKERAGE INC3 | 333 WEST WACKER DRIVE SUTIE 1950 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $739 | — | $739 | 10.00% |
| BULFINCH GROUP INSURANCE AGY L3 | 160 GOULD STREET SUITE 310 NEEDHAM, MA 02494 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $55 | — | $55 | 0.74% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 68.35% |
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 | 87 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 61 | $963K |
| Dental | DELTA DENTAL | 154 | $92K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 46 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 87 | $15K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 51 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 87 | $8K |
| Other(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 87 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.