| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | BLUECROSS BLUESHIELD OF MASSACHUSETTS | $39K | $0 | $39K | 2.28% |
| BP BENEFITS, LLC3 Filed as: BP BENEFITS LLC | 160 GOULD STREET, SUITE 310 NEEDHAM, MA 02494 | BLUECROSS BLUESHIELD OF MASSACHUSETTS | $13K | $3K | $16K | 0.91% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $843 | $12K | 5.91% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY INC. | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $90 | $10K | 4.98% |
| BP BENEFITS, LLC3 Filed as: BP BENEFITS LLC | 160 GOULD STREET, SUITE 310 NEEDHAM, MA 02494 | METROPOLITAN LIFE INSURANCE COMPANY | $250 | $0 | $250 | 0.12% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | $0 | $22K | 11.28% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 5250 NORTH PALM, SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.76% |
| BULFINCH GROUP INSURANCE AGENCY3 Filed as: BULFINCH GROUP INSURANCE AGENCY LLC | 160 GOULD STREET, SUITE 310 NEEDHAM, MA 02494 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.72% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 800 WEST CUMMINGS PARK, SUITE 4000 WOBURN, MA 01801 | VISION SERVICE PLAN | $915 | $0 | $915 | 5.07% |
| BULFINCH GROUP INSURANCE AGY3 Filed as: THE BULFINCH GROUP | 160 GOULD STREET NEEDHAM, MA 02494 | VISION SERVICE PLAN | $121 | $0 | $121 | 0.67% |
| 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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MASSACHUSETTS | 286 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 259 | $201K |
| Vision | VISION SERVICE PLAN | 102 | $18K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $192K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $192K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $192K |
| Prescription drug | BLUECROSS BLUESHIELD OF MASSACHUSETTS | 286 | $1.7M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.