| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.20% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER INC | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | $0 | $24K | 7.02% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE., SUITE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.49% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.75% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE., SUITE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $0 | $11K | 11.45% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.75% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE., SUITE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $974 | $974 | 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 | $0 | $2K | 8.35% |
| 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. | $409 | $182 | $591 | 14.47% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $128 | $57 | $185 | 14.49% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE., SUITE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $127 | $0 | $127 | 10.05% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE., SUITE 2700 NEW YORK, NY 10170 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 4.97% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 263 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 267 | $337K |
| Vision | EYEMED VISION CARE, LLC | 377 | $25K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 618 | $325K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 214 | $96K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 618 | $325K |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 618 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 618 | — |
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."
No prospect flags tripped on this filing.