| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES | 160 FEDERAL ST. BOSTON, MA 02110 | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | $33K | $0 | $33K | 2.50% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - SEE ATTCHED | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $435K | $0 | $435K | 40.49% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN GENERAL INSURANCE COMPANY | $6K | $0 | $6K | 10.28% |
| RSC INSURANCE BROKERAGE INC3 | 50 SALEM ST BLDG B LYNNFIELD, MA 01940 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $1K | $1K | 2.00% |
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 | 3,440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 155 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(14 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,108 | $170K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,440 | $1.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,440 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,440 | $1.4M |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 2,498 | $1.3M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 3,640 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,640 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.