| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BKGE DBA RISK STRATEGIES | 160 FEDERAL STREET BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $29K | $6K | $35K | 3.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $6K | — | $6K | 0.51% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.96% |
| EMERSON REID LLC3 | 5250 N PALM SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $885 | — | $885 | 2.17% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.97% |
| EMERSON REID LLC3 | 5250 N PALM SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $907 | — | $907 | 4.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $492 | — | $492 | 2.18% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 157 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 157 | $1.2M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 157 | $1.2M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 122 | $23K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 122 | $41K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 122 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.