| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 420 LEXINGTON AVE, SUITE 2700 NEW YORK, NY 10170 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $21K | — | $21K | 4.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 669 RIVER DRIVE CENTER 11 SUITE #305 ELMWOOD PARK, NJ 07407 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | — | $6K | 3.54% |
| EMERSON REID LLC3 | EMPIRE STATE BLDG 350 FIFTH AVENUE STE 3700 NEW YORK, NY 10018 | HARTFORD LIFE AND ACCIDENT | $4K | $3K | $8K | 7.71% |
| USI INSURANCE SERVICES LLC3 | ENTERPRISE LICENSING CENTER 601 UNION ST SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.49% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BLDG 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | HARTFORD LIFE AND ACCIDENT | $671 | — | $671 | 0.68% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVE SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $394 | $394 | 0.40% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | OXFORD HEALTH INSURANCE, INC | $1K | — | $1K | 1.88% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | INC - BOSTON 160 FEDERAL ST BOSTON, MA 02110 | OXFORD HEALTH INSURANCE, INC | $701 | — | $701 | 1.05% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST FL 2 BOSTON, MA 021101700 | VISION SERVICE PLAN | $898 | — | $898 | 4.56% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | VISION SERVICE PLAN | $172 | — | $172 | 0.87% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $167 | $1K | 6.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | STE 5B 1086 TEANECK RD TEANECK, NJ 07666 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $632 | — | $632 | 3.21% |
| EMERSON REID LLC3 | STE 320 1787 SENTRY PWKY W, VEVA 16 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $316 | $316 | 1.61% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $111 | $111 | 0.56% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 82 | $585K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 545 | $165K |
| Vision | VISION SERVICE PLAN | 222 | $20K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 228 | $99K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 85 | $20K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 228 | $99K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 82 | $518K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 334 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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.