| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $64K | $70K | 5.00% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $28K | $28K | 1.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 900 STEWART AVENUE, SUITE 505 GARDEN CITY, NY 11530 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 10.62% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 1325 FRANKLIN AVENUE, SUITE 540 GARDEN CITY, NY 11530 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $992 | $0 | $992 | 10.00% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $496 | $0 | $496 | 5.00% |
| NRL WEALTH CREATION STRAT3 | 25 CARLE ROAD, 2ND FLOOR WESTBURY, NY 11590 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $74 | $0 | $74 | 0.75% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 122 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 122 | $1.4M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $49K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $49K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 122 | $1.4M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.