| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | AMS- LEGACY DIRECT BILL RECEIPT PO BOX 736061 CHICAGO, IL 60673 | DELTA DENTAL | $3K | $0 | $3K | 3.82% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W STE #320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $4K | $6K | 17.03% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.48% |
| SELMAN & COMPANY, LLC3 | ONE INTEGRITY PARKWAY CLEVELAND, OH 44143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.83% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W STE #320 BLUE BELL, CA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $4K | 17.04% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.46% |
| SELMAN & COMPANY, LLC3 | ONE INTEGRITY PARKWAY CLEVELAND, OH 44143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $694 | $694 | 2.82% |
| RSC INSURANCE BROKERAGE INC3 Filed as: R S C INS BKGE DBA RISK STRATAGIES | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $900 | $0 | $900 | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $420 | $687 | $1K | 17.31% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $539 | $0 | $539 | 8.43% |
| SELMAN & COMPANY, LLC3 | ONE INTEGRITY PARKWAY CLEVELAND, OH 44143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $180 | $180 | 2.81% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | 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 |
|---|---|---|---|
| Dental | DELTA DENTAL | 177 | $70K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 100 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $6K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $38K |
| Stop-loss / reinsurancereinsurance | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | 85 | $521K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.