| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $35K | — | $35K | 1.69% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST BOSTON, MA 02110 | DELTA DENTAL OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $10K | — | $10K | 3.88% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 1.79% |
| RSC INSURANCE BROKERAGE INC3 | — | HPHC INSURANCE COMPANY | $2K | — | $2K | 1.73% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 1.68% |
| THE BAKER BENEFIT GROUP3 Filed as: BAKER BENEFIT GROUP LLC | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | GENWORTH LIFE INSURANCE COMPANY | $10K | — | $10K | 15.20% |
| RSC INSURANCE BROKERAGE INC3 | 7500 OLD GEORGETOWN ROAD SUITE 1225 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 12.51% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $3K | $4K | 7.49% |
| RSC INSURANCE BROKERAGE INC3 | 7500 OLD GEORGETOWN ROAD SUITE 1225 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 12.52% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $958 | $2K | $3K | 7.48% |
| RSC INSURANCE BROKERAGE INC3 | 7500 OLD GEORGETOWN ROAD SUITE 1225 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.50% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $642 | $1K | $2K | 7.50% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $1K | — | $1K | 5.87% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $152 | — | $152 | 1.87% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $140 | — | $140 | 1.73% |
| RISK STRATEGIES COMPANY3 | 446 MAIN STREET 14TH FLOOR WORCESTER, MA 01608 | FEDERAL INSURANCE COMPANY | $729 | — | $729 | 15.00% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $87 | — | $87 | 1.91% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $23 | — | $23 | 0.87% |
| THE BAKER BENEFIT GROUP3 Filed as: BAKER BENEFIT GROUP LLC | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | GENWORTH LIFE INSURANCE COMPANY | $224 | — | $224 | 11.93% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 3 carriers) | HARVARD PILGRIM HEALTH CARE | 342 | $3.4M |
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 490 | $267K |
| Vision | VISION SERVICE PLAN | 100 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $80K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $39K |
| Other(5 contracts, 3 carriers) | GENWORTH LIFE INSURANCE COMPANY | 249 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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."
No prospect flags tripped on this filing.