| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $66K | $70K | 3.07% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $883 | $6K | 16.10% |
| EMERSON REID LLC3 Filed as: EMERSON REID/ROGERS LLC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $879 | $1K | $2K | 5.06% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD STE 305 CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $170 | $904 | $1K | 2.75% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS SEE ATTACHED | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $28K | $0 | $28K | 81.04% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS (SEE ATTACHED) | — | COMBINED INSURANCE COMPANY | $17K | $0 | $17K | 56.36% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $490 | $6K | 29.85% |
| EMERSON REID LLC3 Filed as: EMERSON REID/ROGERSLLC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $485 | $609 | $1K | 5.11% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $94 | $492 | $586 | 2.74% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS (SEE ATTACHED) | — | CHUBB INSURANCE COMPANY | $18K | $0 | $18K | 89.87% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $205 | $3K | 28.95% |
| EMERSON REID LLC3 Filed as: EMERSON REID/ROGERS LLC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $204 | $256 | $460 | 5.08% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39 | $210 | $249 | 2.75% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - (SEE ATTACHED) | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $387 | $0 | $387 | 10.57% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $604 | $10 | $614 | 33.90% |
| EMERSON REID LLC3 Filed as: EMERSON REID/ROGERS LLC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41 | $51 | $92 | 5.08% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8 | $42 | $50 | 2.76% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 96 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 96 | $2.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 96 | $2.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $9K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $39K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $21K |
| Other(5 contracts, 5 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 117 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.