| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $96K | $96K | 3.00% |
| RSC INSURANCE BROKERAGE INC Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $7K | $0 | $7K | 3.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $0 | $15K | 7.80% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $0 | $12K | 6.02% |
| SELMAN & COMPANY, LLC3 | ONE INTEGRITY PARKWAY CLEVELAND, OH 44143 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 1.79% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.09% |
| RSC INSURANCE BROKERAGE INC4 | 160 FEDERAL STREET 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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 302 | $3.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 464 | $228K |
| Vision | VISION SERVICE PLAN | 186 | $48K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $191K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $191K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $191K |
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 48 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.