| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | AETNA LIFE INSURANCE CO. | $290K | — | $290K | 2.81% |
| SINGER NELSON CHARLMERS3 Filed as: SINGER NELSON CHALMERS INC | 1086 TEANECK RD TEANECK, NJ 07666 | HARTFORD LIFE INSURANCE COMPANY | $48K | — | $48K | 6.72% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | HARTFORD LIFE INSURANCE COMPANY | $836 | — | $836 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SVCS INC | 250 PARK AVE FL 3 NEW YORK, NY 10177 | HARTFORD LIFE INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| SINGER NELSON CHARLMERS3 Filed as: SINGER NELSON CHALMERS | 1086 TEANECK RD TEANECK, NJ 07666 | DELTA DENTAL OF NEW YORK | $26K | — | $26K | 3.96% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | DELTA DENTAL OF NEW YORK | $13K | — | $13K | 2.04% |
| SINGER NELSON CHARLMERS3 Filed as: SINGER NELSON CHALMERS INC | 1086 TEANECK RD STE 5B TEANECK, NE 07666 | VISION SERVICES PLAN | $3K | — | $3K | 1.73% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STEET BOSTON, MA 02110 | VISION SERVICES PLAN | $728 | — | $728 | 0.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT RESOURCES, INC. EIN 16-1428488 NONE | Claims processing; Contract Administrator Service code 12 | — | $16K |
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 | 838 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 846 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,752 | $10.3M |
| Dental | DELTA DENTAL OF NEW YORK | 781 | $659K |
| Vision | VISION SERVICES PLAN | 791 | $147K |
| Life insurance | HARTFORD LIFE INSURANCE COMPANY | 838 | $708K |
| Short-term disability | HARTFORD LIFE INSURANCE COMPANY | 838 | $708K |
| Long-term disability | HARTFORD LIFE INSURANCE COMPANY | 838 | $708K |
| Other | HARTFORD LIFE INSURANCE COMPANY | 838 | $708K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,752 | — |
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.