| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | ONE HOLLOW LANE STE. 206 LAKE SUCCESS, NY 11042 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $65K | — | $65K | 2.25% |
| SINGER NELSON CHARLMERS3 Filed as: SINGER NELSON CHARLMERS, INC. | 1086 TEANECK RD. TEANECK, NJ 07666 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $44K | — | $44K | 1.54% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | STE. 5B 1086 TEANECK RD. TEANECK, NJ 07666 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | — | $13K | 6.47% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST. BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | — | $1K | $1K | 0.70% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PKWY. W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 12.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST. BOSTON, MA 02110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.67% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST. FL 2 BOSTON, MA 021101700 | VISION SERVICE PLAN | $1K | — | $1K | 5.17% |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 151 | $2.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $124K |
| Vision | VISION SERVICE PLAN | 144 | $23K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 133 | $196K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 133 | $196K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 133 | $196K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 133 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.