| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $35K | — | $35K | 1.67% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $4K | — | $4K | 1.38% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 1.64% |
| RSC INSURANCE BROKERAGE INC3 | — | HPHC INSURANCE COMPANY | $3K | — | $3K | 1.59% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 1.64% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $6K | $15K | 26.22% |
| THE BAKER BENEFIT GROUP3 Filed as: BAKER BENEFIT GROUP LLC | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | GENWORTH LIFE INSURANCE COMPANY | $9K | — | $9K | 16.07% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $4K | $11K | 26.18% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 25.36% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $1K | — | $1K | 5.47% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $141 | — | $141 | 1.77% |
| THE BAKER BENEFIT GROUP3 Filed as: BAKER BENEFIT GROUP LLC | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | GENWORTH LIFE INSURANCE COMPANY | $1K | — | $1K | 15.77% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | $107 | — | $107 | 1.42% |
| RSC INSURANCE BROKERAGE INC3 | — | HPHC INSURANCE COMPANY | $84 | — | $84 | 1.67% |
| RISK STRATEGIES COMPANY3 | 446 MAIN STREET 14TH FLOOR WORCESTER, MA 01608 | FEDERAL INSURANCE COMPANY | $729 | $24 | $753 | 15.49% |
| RSC INSURANCE BROKERAGE INC3 | — | HARVARD PILGRIM HEALTH CARE | -$28 | — | -$28 | — |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 3 carriers) | HARVARD PILGRIM HEALTH CARE | 353 | $3.5M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 494 | $256K |
| Vision | VISION SERVICE PLAN | 124 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $87K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $40K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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.