| 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 | $653K | $653K | 2.69% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RISK STRATEGIES COMPNAY (RSC) | N/A BOSTON, MA 00000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $547K | $0 | $547K | 2.26% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $27K | $0 | $27K | 3.78% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $16K | $5K | $21K | 2.85% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.43% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE SUITE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $54K | $2K | $56K | 15.63% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $18K | $0 | $18K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.46% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST BOSTON, MA 02110 | VISION SERVICE PLAN | $5K | $0 | $5K | 1.85% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $20K | $0 | $20K | 20.00% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $587 | $5K | 6.22% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $383 | $5K | 5.44% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL ST BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $383 | $383 | 0.44% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE NEW YORK, NY 10170 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $14K | $397 | $14K | 22.09% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $955 | $955 | 1.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 MEDICAL FEES | Named fiduciary; Participant communication; Float revenue; Claims processing; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | — | $675 |
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 | 1,617 | 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) | 1,617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,298 | $24.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,298 | $24.2M |
| Vision | VISION SERVICE PLAN | 1,352 | $265K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,617 | $727K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,617 | $727K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,617 | $727K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,298 | $24.2M |
| Other(5 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,617 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,298 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.