| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SINGER NELSON CHARLMERS Filed as: SINGER NELSON CHARLMERS INC | 1086 TEANECK ROAD TEANECK, NJ 07666 | EMPIRE HEALTHCHOICE ASSURANCE INC. | $56K | — | $56K | 2.24% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST, FLOOR 2 BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | $572 | $14K | 8.26% |
| RSC INSURANCE BROKERAGE INC3 | 1086 TEANECK ROAD SUITE 5B TEANECK, NJ 07666 | GUARDIAN | $8K | $4K | $13K | 10.81% |
| INTERNL PLANNING ALL LLC3 | 300 BROADACRES DRIVE STE 175 BLOOMFIELD, NJ 07003 | GUARDIAN | $16 | — | $16 | 0.01% |
| WEIL ALBERT B3 | 139 E 79TH ST FL 9 NEW YORK, NY 100750378 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.78% |
| GROSSMAN STEPHEN L3 | 250 WEST 34TH ST NEW YORK, NY 101190002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $500 | — | $500 | 1.38% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL ST BOSTON, MA 021101700 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $247 | — | $247 | 0.68% |
| ST JEAN RICHARD A JR.3 Filed as: ST JEAN RICHARD A JR | 101 FEDERAL ST STE 800 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $202 | $202 | 0.56% |
| SINGER NELSON CHARLMERS3 | 1086 TEANECK RD STE 5B TEANECK, NJ 07666 | VISION SERVICE PLAN | $1K | — | $1K | 5.37% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE INC. | 347 | $2.5M |
| Dental | GUARDIAN | 115 | $116K |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE INC. | 347 | $2.5M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 167 | $167K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 167 | $203K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 167 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.