| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF ARIZONA | $198K | — | $198K | 2.37% |
| JOHN GREENBAUM3 | RSC INSURANCE BROKERAGE INC 160 FEDERAL ST BOSTON, MA 02110 | DELTA DENTAL OF ARIZONA | $29K | — | $29K | 8.18% |
| JOHN GREENBAUM3 | RSC INSURANCE BROKERAGE INC 160 FEDERAL ST BOSTON, MA 02110 | DELTA DENTAL OF ARIZONA | $12K | — | $12K | 7.74% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | SYMETRA LIFE INSURANCE COMPANY | $13K | $3K | $16K | 17.93% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 6.66% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $706 | — | $706 | 3.98% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $87 | — | $87 | 5.52% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $58 | — | $58 | 3.68% |
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 | 460 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 681 | $8.4M |
| Dental(2 contracts) | DELTA DENTAL OF ARIZONA | 394 | $515K |
| Vision(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 681 | $8.4M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 190 | $91K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 190 | $91K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 190 | $91K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 681 | $8.4M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 190 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.