| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $37K | $6K | $44K | 1.62% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $5K | $862 | $6K | 1.69% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 736061 CHICAGO, IL 60673 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $9K | $0 | $9K | 3.13% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $3K | $556 | $4K | 1.71% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $8K | $22K | 14.51% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $922 | $159 | $1K | 1.60% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | GENWORTH LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.02% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $572 | $99 | $671 | 1.64% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | GENWORTH LIFE INSURANCE COMPANY | $4K | $0 | $4K | 14.73% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.10% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | ARAG INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $197 | $34 | $231 | 2.31% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE | $25 | $4 | $29 | 0.47% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | FEDERAL INSURANCE COMPANY | $729 | $139 | $868 | 17.86% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST BOSTON, MA 02110 | HPHC INSURANCE COMPANY | $0 | $0 | $0 | — |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 3 carriers) | HARVARD PILGRIM HEALTH CARE | 336 | $4.4M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 493 | $275K |
| Vision | VISION SERVICE PLAN | 135 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $151K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $151K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.