| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 50 SALEM STREET BLDG B LYNNFIELD, MA 01940 | HM LIFE INSURANCE COMPANY | $71K | — | $71K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $1K | $20K | 10.19% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $731 | $8K | 4.14% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| EMERSON REID LLC3 | 350 5TH AVE # 3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 4.14% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. DBA | 160 FEDERAL STREET BOSTON, MA 02110 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $6K | — | $6K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| EMERSON REID LLC3 | 350 5TH AVE # 3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.17% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $107 | $3K | 20.86% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $764 | $68 | $832 | 5.49% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 50 SALEM STREET BUILDING B LYNNFIELD, MA 01940 | METLIFE LEGAL PLANS | $682 | — | $682 | 8.51% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | METLIFE LEGAL PLANS | $122 | $74 | $196 | 2.45% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $40 | $1K | 21.09% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $299 | $24 | $323 | 5.51% |
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 | 386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 737 | $199K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 258 | $40K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 737 | $199K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 374 | $109K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $30K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 320 | $474K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 737 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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.