| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SINGER NELSON CHARLMERS3 Filed as: SINGER NELSON CHARLMERS INC | 1086 TEANECK ROAD TEANECK, NJ 07666 | EMPIRE HEALTHCHOICE ASSURANCE INC. | $106K | — | $106K | 2.41% |
| RSC INSURANCE BROKERAGE INC3 | 1086 TEANECK RD STE 5B TEANECK, NJ 07666 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 6.77% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 1.75% |
| RSC INSURANCE BROKERAGE INC3 | 1086 TEANECK ROAD SUITE 5B TEANECK, NJ 07666 | GUARDIAN | $8K | — | $8K | 7.00% |
| 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% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $1K | — | $1K | 4.36% |
| SINGER NELSON CHARLMERS3 | 1086 TEANECK RD STE 5B TEANECK, NJ 07666 | VISION SERVICE PLAN | $177 | — | $177 | 0.71% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE INC. | 357 | $4.4M |
| Dental | GUARDIAN | 100 | $110K |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE INC. | 357 | $4.4M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 158 | $138K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 158 | $174K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 158 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.