| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA5 Filed as: CIGNA HEALTH AND LIFE INSURANCE CO | PO BOX 182223 CHATTANOOGA, TN 37422 | GERBER LIFE INSURANCE COMPANY | $0 | $2.8M | $2.8M | 58.15% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $96K | $0 | $96K | 3.60% |
| STEVEN R KARAS3 | 222 WARD ST NEWTON CENTRE, MA 02459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35K | $0 | $35K | 7.97% |
| CHRISTOPHER C FEAZEL3 | 33 CONANT STREET DANVERS, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26K | $0 | $26K | 5.84% |
| DAVID S HALLETT3 | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.25% |
| JEFFREY S BLOCKER3 | 2 CENTRAL ST. FRAMINGHAM, MA 01701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | $0 | $67 | 0.02% |
| WEX INC3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | $0 | $38 | 0.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1787 SENTRY PKWY W, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $21K | $0 | $21K | 4.91% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | METLIFE LEGAL PLANS, INC. | $9K | $0 | $9K | 9.52% |
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 | 4,880 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,980 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 80 | $532K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 6,654 | $425K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,621 | $2.7M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,621 | $2.7M |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 0 | $4.8M |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,621 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,654 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.