| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 021101700 | UNITEDHEALTHCARE INSURANCE COMPANY | $169K | — | $169K | 2.27% |
| HZEZ, LLC3 Filed as: HZEZ, LLC. | PO BOX 736061 CHICAGO, IL 606736061 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | — | $55K | 0.73% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 021101700 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 6.14% |
| HZEZ, LLC3 Filed as: HZEZ, INC. | PO BOX 736061 CHICAGO, IL 606736061 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 2.06% |
| RSC INSURANCE BROKERAGE INC3 | 300 GARGEN CITY PLZ STE 252 GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 6.39% |
| HZEZ, LLC3 | 300 GARDEN CITY PLAZA STE 252 GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $817 | — | $817 | 3.36% |
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 | 488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 513 | $7.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 552 | $238K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $24K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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.