| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BKGE DBA RISK STRATAGIES | 160 FEDERAL STREET BOSTON, MA 12110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $166K | $0 | $166K | 2.71% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC. | 1787 SENTRY PKWY W STE 320 BLDG 16 COMMISSIONS DEPARTMENT BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 4.55% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 12110 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $726 | $8K | 1.94% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36K | $0 | $36K | 20.00% |
| EMERSON REID LLC3 | 5250 N PALM STE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | $0 | $30K | 20.00% |
| EMERSON REID LLC3 | 5250 N PALM STE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 800 W CUMMINGS PARK STE 4000 WOBURN, MA 01801 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.63% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 12110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $2K | $11K | 24.59% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $2K | $0 | $2K | 9.94% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| EMERSON REID LLC3 | 5250 N PALM STE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $446 | $0 | $446 | 4.99% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 932 | $6.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 779 | $414K |
| Vision | VISION SERVICE PLAN | 285 | $56K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 295 | $193K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 293 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 295 | $178K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 295 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 932 | — |
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.