| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SINGER NELSON CHARLMERS3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $56K | — | $56K | 13.29% |
| HEALTHY BUSINESS GROUP LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $29K | $29K | 6.97% |
| SINGER NELSON CHARLMERS3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 10.78% |
| HEALTHY BUSINESS GROUP LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 5.66% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $752 | $7K | 11.13% |
| SINGER NELSON CHARLMERS3 | 1086 TEANECK ROAD SUITE 5B TEANECK, NJ 07666 | VISION SERVICE PLAN | $411 | — | $411 | 5.62% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $204 | — | $204 | 2.79% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1086 TEANECK ROAD SUITE 5B TEANECK, NJ 07666 | UNUM LIFE INSURANCE COMPANY | $883 | — | $883 | 14.33% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY | — | $69 | $69 | 1.12% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1086 TEANECK ROAD SUITE 5B TEANECK, NJ 07666 | UNUM LIFE INSURANCE COMPANY | $940 | — | $940 | 17.71% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY | — | $161 | $161 | 3.03% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $119 | — | $119 | 4.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1086 TEANECK ROAD SUITE 5B TEANECK, NJ 07666 | UNUM LIFE INSURANCE COMPANY | $192 | — | $192 | 29.09% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY | — | $19 | $19 | 2.88% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 134 | $546K |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $113K |
| Vision(2 contracts) | VISION SERVICE PLAN | 62 | $10K |
| Life insurance(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 177 | $78K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 177 | $71K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 177 | $71K |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 177 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.