| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN NEEDHAM, MA 02494 | BLUECROSS BLUESHIELD OF MASSACHUSETTS | $67K | $0 | $67K | 2.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $3K | $22K | 9.63% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $957 | $11K | 5.03% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | $3 | $30K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $0 | $10K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 800 WEST CUMMINGS PARK, SUITE 4000 WOBURN, MA 01801 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.49% |
| CBG BENEFITS GROUP3 Filed as: CBG BENEFITS AND HRIS | 800 WEST CUMMINGS PARK, SUITE 6900 WOBURN, MA 01801 | ZURICH AMERICAN INSURANCE COMPANY | $150 | $0 | $150 | 15.00% |
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 | 128 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MASSACHUSETTS | 300 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 271 | $228K |
| Vision | VISION SERVICE PLAN | 110 | $20K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 149 | $197K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 149 | $197K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 149 | $197K |
| Prescription drug | BLUECROSS BLUESHIELD OF MASSACHUSETTS | 300 | $2.2M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 161 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.