| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 2270 DOUGLAS BOULEVARD SUITE 220 ROSEVILLE, CA 95661 | KAISER FOUNDATION HEALTH PLAN, INC. | $299K | — | $299K | 4.87% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | RELIASTAR LIFE INSURANCE COMPANY | $60K | — | $60K | 12.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $3K | — | $3K | 2.24% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | 12.58% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.13% |
| BENEDIKT N MASON3 | 17 LITTLE BEAR HILL ROAD WESTFORD, MA 01886 | CONTINENTAL AMERICAN INSURANCE COMPANY | $582 | — | $582 | 0.45% |
| STEVEN R KARAS3 | 222 WARD STREET NEWTON CENTRE, MA 02459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $368 | — | $368 | 0.28% |
| STEVEN R KARAS3 Filed as: STEVEN ROBERT KARAS | 222 WARD STREET NEWTON CENTRE, MA 02459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.07% |
| DAVID J MCCLELLAN3 Filed as: DAVID SCOTT HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.06% |
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 | 774 | 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) | 778 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 747 | $6.1M |
| Vision | VISION SERVICE PLAN | 782 | $144K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 843 | $458K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 843 | $458K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 238 | $1.1M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 843 | $645K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 843 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.