| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BKGE DBA RISK STRATEGIES CO | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $47K | $46K | $93K | 1.87% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL INS AGCY INC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $68K | $6K | $74K | 1.49% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTAL DENTAL OF MA | $13K | — | $13K | 2.00% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 | 7 NEW ENGLAND EXECUTIVE PARK BURLINGTON, MA 01803 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTAL DENTAL OF MA | $29 | — | $29 | 0.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 2.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 300 BALLARDVALE STREET PO BOX 696 WILMINGTON, MA 01887 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 2.80% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 1.91% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $1K | — | $1K | 1.70% |
| SUMMIT FINANCIAL INSURANCE AGENCY3 | 7 NEW ENGLAND EXEC PARK SUITE 220 BURLINGTON, MA 01803 | VISION SERVICE PLAN | $826 | — | $826 | 1.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $352 | $7K | 13.07% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 300 BALLARDVALE STREET PO BOX 696 WILMINGTON, MA 01887 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $72 | $2K | 2.68% |
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 | 596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 616 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 518 | $5.0M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTAL DENTAL OF MA | 1,257 | $660K |
| Vision | VISION SERVICE PLAN | 506 | $82K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 596 | $388K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 596 | $332K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 596 | $332K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 596 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,257 | — |
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.