| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | PO BOX 1023 BURLINGTON, MA 01803 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $26K | $0 | $26K | 0.66% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS | PO BOX 1023 BURLINGTON, MA 01803 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $26K | $0 | $26K | 0.65% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | PO BOX 1023 BURLINGTON, MA 01803 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $6K | $0 | $6K | 2.42% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 970069 BOSTON, MA 02297 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $3K | $0 | $3K | 1.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | PO BOX 1023 BURLINGTON, MA 01803 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $41K | $0 | $41K | 18.49% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $46 | $46 | 0.02% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | PO BOX 1023 BURLINGTON, MA 01803 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.75% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 111 SOUTH BEDFORD STREET SUITE S-109 BURLINGTON, MA 01803 | VISION SERVICE PLAN | $674 | $0 | $674 | 2.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 111 SOUTH BEDFORD STREET BURLINGTON, MA 01803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $187 | $0 | $187 | 2.08% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | 12 KINGSDALE STREET BURLINGTON, MA 01803 | METROPOLITAN GENERAL INSURANCE COMPANY | $475 | $0 | $475 | 9.35% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | 12 KINGSDALE STREET BURLINGTON, MA 01803 | HARTFORD LIFE AND ACCIDENT | $562 | $0 | $562 | 15.01% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 546 | $4.0M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 590 | $255K |
| Vision | VISION SERVICE PLAN | 223 | $34K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 244 | $220K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 244 | $220K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 244 | $220K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 546 | $4.0M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 249 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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.