| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | N/A BLUE BELL, PA 00000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $630K | $630K | 2.37% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RISK STRATEGIES COMPNAY (RSC) | N/A BOSTON, MA 00000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $491K | $0 | $491K | 1.85% |
| RSC INSURANCE BROKERAGE INC3 | N/A BOSTON, MA 00000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $33 | $0 | $33 | 0.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $25K | $25K | 3.43% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $17K | $6K | $22K | 2.99% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY | ONE INTEGRITY PARKWAY RICHMOND HEIGHTS, OH 44143 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.49% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | — | $201 | $201 | 0.03% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE SUITE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $55K | $3K | $58K | 14.41% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $17K | $17K | 4.15% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY | ONE INTEGRITY PARKWAY RICHMOND HEIGHTS, OH 44143 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.42% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | VISION SERVICE PLAN | $5K | $0 | $5K | 1.72% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $22K | $0 | $22K | 18.31% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY BLD 16 STE 320 BLUE BELL, PA 19422 | UNUM INSURANCE COMPANY | $0 | $6K | $6K | 7.36% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | UNUM INSURANCE COMPANY | $4K | $1K | $5K | 6.60% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $482 | $5K | 7.28% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.12% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY | ONE INTEGRITY PARKWAY RICHMOND HEIGHTS, OH 44143 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $310 | $310 | 0.44% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $13K | $652 | $13K | 19.11% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $0 | $2K | 2.49% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | -$3 | -$3 | -0.00% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $8K | $787 | $9K | 20.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | $0 | $5K | 11.29% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY BLD 16 STE 320 BLUE BELL, PA 19422 | UNUM INSURANCE COMPANY | $0 | $211 | $211 | 3.22% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | UNUM INSURANCE COMPANY | $0 | $118 | $118 | 1.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 MEDICAL FEES | Float revenue; Claims processing; Participant communication; Other services; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Contract Administrator Service code 12 | — | $225 |
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 | 1,881 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,881 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,809 | $26.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,809 | $26.6M |
| Vision | VISION SERVICE PLAN | 1,560 | $301K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,881 | $739K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,881 | $739K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,881 | $739K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,809 | $26.6M |
| Other(8 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,881 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,809 | — |
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.