| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 50 SALEM STREET BUILDING B LYNNFIELD, MA 01940 | NATIONWIDE LIFE INSURANCE COMPANY | $70K | $0 | $70K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $364 | $12K | 5.73% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W STE 320 BLDG 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.40% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$2 | -$2 | -0.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 # 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 8.61% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. DBA | 160 FEDERAL STREET BOSTON, MA 02110 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $7K | $0 | $7K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE 320 BLDG 16 # 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 8.35% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $39 | $4K | 23.38% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W STE 320 BLDG 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $977 | $0 | $977 | 5.77% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $14 | $2K | 22.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W STE 320 BLDG 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $586 | -$1 | $585 | 5.44% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | METLIFE LEGAL PLANS | $1K | $21 | $1K | 10.27% |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 61 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 594 | $216K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 463 | $44K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 594 | $216K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 376 | $125K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 178 | $37K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 330 | $466K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 594 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.