| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | DBA RISK STRATAGIES CO BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MA | $27K | — | $27K | 1.93% |
| GROUP INSURANCE SOLUTIONS, INC.3 | DBA SULLIVAN BENEFITS 5 MOUNT ROYAL AVENUE, SUITE 250 MARLBOROUGH, MA 01752 | BLUE CROSS BLUE SHIELD OF MA | $5K | $2K | $7K | 0.52% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 9700069 BOSTON, MA 02297 | DENTAL SERVICE OF MA, DBA DELTA DENTAL OF MA | $3K | — | $3K | 2.70% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 5 MOUNT ROYAL AVENUE SUITE 250 MARLBOROUGH, MA 01752 | DENTAL SERVICE OF MA, DBA DELTA DENTAL OF MA | $684 | — | $684 | 0.62% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET, FL 2 BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.89% |
| JOSHUA E MARMOR3 | 30 IRVING ROAD NATICK, MA 01760 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.77% |
| BENEDIKT N MASON3 | 17 LITTLE BEAR HILL RD WESTFORD, MA 01886 | CONTINENTAL AMERICAN INSURANCE COMPANY | $366 | — | $366 | 0.80% |
| TMBG INC3 Filed as: TMBG, INC | 38 MYRTLE STREET BELMONT, MA 02478 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$313 | — | -$313 | -0.68% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE SOLUTIONS, INC. | 160 FEDERAL STREET, 4TH FL BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.63% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PKWY W, VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 8.81% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 5 MOUNT ROYAL AVENUE SUITE 250 MARLBOROUGH, MA 01752 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $442 | — | $442 | 2.37% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST, 4TH FL BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.15% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PKW W, VEVA 16 #3200 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 10.14% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 5 MOUNT ROYAL AVENUE SUITE 250 MARLBOROUGH, MA 01752 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $110 | — | $110 | 0.85% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 9700069 BOSTON, MA 02297 | VISION SERVICE PLAN | $740 | — | $740 | 7.55% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | VISION SERVICE PLAN | $245 | — | $245 | 2.50% |
| GROUP INSURANCE SOLUTIONS, INC.3 | 5 MOUNT ROYAL AVENUE SUITE 250 MARLBOROUGH, MA 01752 | VISION SERVICE PLAN | $158 | — | $158 | 1.61% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MA | 151 | $1.4M |
| Dental | DENTAL SERVICE OF MA, DBA DELTA DENTAL OF MA | 197 | $110K |
| Vision | VISION SERVICE PLAN | 70 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $19K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 37 | $46K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $13K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MA | 151 | $1.4M |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 124 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.