| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 5575 VENTURE DRIVE PARMA, OH 44130 | ANTHEM BLUE CROSS AND BLUE SHIELD | $145K | $0 | $145K | 3.55% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | 12 KINGSDALE STREET BURLINGTON, MA 01803 | ANTHEM BLUE CROSS AND BLUE SHIELD | -$410 | $0 | -$410 | -0.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 1023 BURLINGTON, MA 01803 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $7K | $0 | $7K | 3.10% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 111 SOUTH BEDFORD STREET BURLINGTON, MA 01803 | FIRST UNUM LIFE INSURANCE COMPANY | $549 | $0 | $549 | 2.19% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $131 | $0 | $131 | 0.52% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 736061 CHICAGO, IL 60673 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.30% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 111 SOUTH BEDFORD STREET BURLINGTON, MA 01803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 1.50% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 272 | $4.2M |
| Dental | ANTHEM BLUE CROSS AND BLUE SHIELD | 272 | $4.1M |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 272 | $4.1M |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 240 | $231K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 52 | $26K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 240 | $231K |
| Prescription drug(3 contracts, 3 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 272 | $4.2M |
| Other(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 240 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.