| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | OXFORD HEALTH INSURANCE, INC. | $66K | $0 | $66K | 4.01% |
| EMERSON REID LLC3 Filed as: EMERSON RIED, LLC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC. | $0 | $25K | $25K | 1.53% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC. | 669 RIVER DRIVE STE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INUSRANCE COMPANY | $6K | $0 | $6K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | UNITEDHEALTHCARE INUSRANCE COMPANY | $4K | $0 | $4K | 3.73% |
| DEWITT STERN GROUP PLANNING SERVICE3 | 420 LEXINGTON AVE RM 2700 NEW YORK, NY 10170 | UNITEDHEALTHCARE INUSRANCE COMPANY | $1 | $0 | $1 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 420 LEXINGTON AVE. STE 2700 NEW YORK, NY 10170 | SUN LIFE AND HEALTH INSURANCE COMPANY | $1K | $0 | $1K | 5.20% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 420 LEXINGTON AVE. STE 2700 NEW YORK, NY 10170 | SUN LIFE AND HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 12.66% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST. FL 2 BOSTON, MA 021101700 | VISION SERVICE PLAN | $845 | $0 | $845 | 6.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $13K |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 249 | $1.6M |
| Dental | UNITEDHEALTHCARE INUSRANCE COMPANY | 245 | $111K |
| Vision | VISION SERVICE PLAN | 82 | $14K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 181 | $19K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 712 | $22K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 181 | $19K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 181 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 712 | — |
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.