| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $347K | $77K | $424K | 4.00% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $49K | $37K | $86K | 8.94% |
| SINGER NELSON CHARLMERS3 Filed as: SINGER NELSON CHARLMERS INC | 1086 TEANECK RD TEANECK, NJ 07666 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 0.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 470 PARK AVE SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $56 | $56 | 0.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | DELTA DENTAL OF NEW YORK | $42K | — | $42K | 6.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | VISION SERVICE PLAN | $3K | — | $3K | 2.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT RESOURCE, INC. EIN 16-1428488 TPA | Claims processing; Contract Administrator Service code 12 | — | $24K |
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 | 897 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 935 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,009 | $10.6M |
| Dental | DELTA DENTAL OF NEW YORK | 1,776 | $700K |
| Vision | VISION SERVICE PLAN | 840 | $159K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 897 | $960K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 897 | $960K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 897 | $960K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,009 | $10.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 897 | $960K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,009 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.