| 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. | $81K | $0 | $81K | 1.48% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | ONE INTEGRITY PKWY RICHMOND HEIGHTS, OH 44143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $15K | $15K | 6.25% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | LOCKBOX PO BOX 736061 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 5.46% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | LOCKBOX, PO BOX 736061 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $854 | $7K | 15.19% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | LOCKBOX, PO BOX 736061 CHICAGO, IL 60673 | UNUM INSURANCE COMPANY | $3K | $398 | $3K | 14.96% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | LOCKBOX, PO BOX 736061 CHICAGO, IL 60673 | UNUM INSURANCE COMPANY | $2K | $322 | $3K | 15.61% |
| RSC INSURANCE BROKERAGE INC4 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST. BOSTON, MA 02110 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 17.00% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 642 | $5.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 642 | $5.5M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 642 | $5.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $240K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $240K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $240K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.