| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $244K | $244K | 4.59% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER INC | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $2K | $22K | 7.71% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE., SUITE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | — | $11K | 3.84% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 1.80% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE., SUITE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | — | $7K | 16.80% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | $754 | — | $754 | 1.75% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | EYEMED VISION CARE, LLC | $2K | — | $2K | 11.28% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER INC | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $554 | $0 | $554 | 9.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER INC | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $227 | $0 | $227 | 9.98% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 353 | $5.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 249 | $287K |
| Vision | EYEMED VISION CARE, LLC | 315 | $19K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 528 | $283K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 168 | $43K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 528 | $283K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 528 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 528 | — |
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.
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.