| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 10.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY ST NEW YORK, NY 10281 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 4.83% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $14K | — | $14K | 12.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET, 6TH FL. NEW YORK, NY 10281 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 2.22% |
| EMERSON REID LLC3 | 350 5TH AVE, NO. 3700 NEW YORK, NY 10118 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 1.79% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $9K | — | $9K | 8.52% |
| EMERSON REID LLC3 | 350 5TH AVE, NO. 3700 NEW YORK, NY 10118 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 1.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET, 6TH FL. NEW YORK, NY 10281 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 1.48% |
| MOSSE AND MOSSE ASSOCIATES, INC.3 Filed as: MOSSE AND MOSSE INS. ASSOCIATES | 50 SALEM ST, BLDG B LYNNFIELD, MA 01940 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $26K | — | $26K | 31.83% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 50 SALEM ST, BLDG B LYNNFIELD, MA 01940 | METLIFE LEGAL PLANS | $749 | $33 | $782 | 5.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | JPMORGAN CHASE LBX PRCSNG ATTN 4557 4 CHASE METROTECH CENTER BROOKLYN, NY 11245 | METLIFE LEGAL PLANS | $502 | — | $502 | 3.78% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | METLIFE LEGAL PLANS | — | $64 | $64 | 0.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | METLIFE LEGAL PLANS | — | $38 | $38 | 0.29% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST, 4TH FL. BOSTON, MA 02110 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 2000 ALAMEDA DE LAS PULGAS, STE 101 SAN MATEO, CA 94403 | FOUR EVER LIFE INS. CO. | $394 | — | $394 | 15.02% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST, 4TH FL. BOSTON, MA 02110 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $81 | — | $81 | 14.94% |
| EMERSON REID LLC3 | 350 5TH AVE, NO. 3700 NEW YORK, NY 10118 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $14 | $14 | 2.58% |
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 | 776 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS. CO. | 1 | $3K |
| Vision | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 971 | $83K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 773 | $220K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 767 | $109K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 493 | $113K |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 773 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 971 | — |
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.