| 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 | $5K | $66K | $71K | 3.03% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $48K | $48K | 2.04% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 7 GREAT VALLEY PARKWAY, SUITE 100 MALVERN, PA 19335 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $32K | $35K | 1.51% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 900 STEWART AVENUE, SUITE 505 GARDEN CITY, NY 11530 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 8.07% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 7.50% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.96% |
| JAMES ROBERT CONFORT3 Filed as: JAMES CONFORT AND OTHER AGENTS | 3 SUNSET LANE GARDEN CITY, NY 11530 | AFLAC | $4K | $691 | $4K | 6.31% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | AFLAC | $4K | $0 | $4K | 5.28% |
| KATHRYN P BAKER3 Filed as: KATHRYN P. BAKER | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $1K | $469 | $2K | 2.54% |
| THOMAS MCKIERNAN3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $1K | $52 | $1K | 1.94% |
| PEREGRINE CONSULTING LLC3 Filed as: PEREGRINE CONSULTING, LLC | 162 BODINE ROAD BERWYN, PA 19312 | AFLAC | $655 | $0 | $655 | 0.97% |
| CHRISTOPHER TARI3 Filed as: CHRISTOPHER J. TARI | 1179 WEBBER AVENUE SOUTH HEMPSTEAD, NY 11550 | AFLAC | $492 | $31 | $523 | 0.78% |
| ORIANA L RENDE3 Filed as: ORIANA RENDE | 226 GOOD HILL ROAD WESTON, CT 06883 | AFLAC | $487 | $0 | $487 | 0.72% |
| EPSIX, INC.3 Filed as: EPSIX, INC. AND OTHER AGENTS | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 10.70% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 7.52% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $945 | $0 | $945 | 3.62% |
| KATHRYN P BAKER3 Filed as: KATHRYN P. BAKER | 15 MEADOWBROOK ROAD MADISON, CT 06443 | CONTINENTAL AMERICAN INSURANCE COMPANY | $310 | $0 | $310 | 1.19% |
| ANTHONY M. LAKE3 | 109 BOSTON POST ROAD SUITE 206, 207 ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $268 | $0 | $268 | 1.03% |
| PEREGRINE CONSULTING LLC3 Filed as: PEREGRINE CONSULTING, LLC | 162 BODINE ROAD BERWYN, PA 19312 | CONTINENTAL AMERICAN INSURANCE COMPANY | $244 | $0 | $244 | 0.93% |
| CHRISTOPHER TARI3 Filed as: CHRISTOPHER J. TARI | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | CONTINENTAL AMERICAN INSURANCE COMPANY | $233 | $0 | $233 | 0.89% |
| 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 | $2K | $0 | $2K | 8.91% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $891 | $0 | $891 | 5.00% |
| NRL WEALTH CREATION STRAT3 | UNKNOWN RIDGFIELD, CT 06877 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 0.01% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $2.3M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $88K |
| Short-term disability | AFLAC | 59 | $67K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $88K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $2.3M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.