| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 16666 OLD CHESTERFIELD, ROAD CHESTERFIELD, MO 63017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | $0 | $71K | $71K | 1.36% |
| ASSUREDPARTNERS3 Filed as: BORISLOW JENNIFER A INS. AGENCY | 1 GRIFFIN BROOK DRIVE, SUITE 200 METHUEN, MA 01844 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | $0 | $52K | $52K | 0.98% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INS AGENCY INC. | 1 GRIFFIN BROOK DRIVE METHUEN, MA 01844 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $6K | $13K | 11.44% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 7500 OLD GEORGETOWN ROAD, SUITE 925 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 8.67% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 7500 OLD GEORGETOWN ROAD, SUITE 925 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.51% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A BORISLOW INS. AGENCY INC | 1 GRIFFIN BROOK DRIVE METHUEN, MA 01844 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $5K | $10K | 17.35% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 700 AIRPORT BOULVARD, SUITE 300 BURLINGAME, CA 94010 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.72% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 16666 OLD CHESTERFIELD ROAD CHESTERFIELD, MO 63017 | VISION SERVICE PLAN | $3K | $0 | $3K | 5.80% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS AGENCY INC | 1 GRIFFIN BROOK DRIVE METHUEN, MA 01844 | VISION SERVICE PLAN | $3K | $0 | $3K | 5.04% |
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 | 471 | 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) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | 314 | $5.3M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | 314 | $5.3M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 471 | $188K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $116K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 471 | $131K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | 314 | $5.3M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 471 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.