| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 7.20% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC., | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 3.98% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RISK STRATEGIES COMPANY (RSC) | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $413 | $413 | 0.37% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE I | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | — | $3K | 12.12% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $1K | $1K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE I | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 8.75% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $1K | $1K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $927 | — | $927 | 5.66% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 15.00% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 37000 NEW YORK, NY 10118 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $402 | $402 | 4.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE I | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $649 | — | $649 | 12.01% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $270 | $270 | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $128 | — | $128 | 12.01% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $53 | $53 | 4.97% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE I | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $140 | — | $140 | 15.04% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $47 | $47 | 5.05% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $112K |
| Vision | VISION SERVICE PLAN | 101 | $16K |
| Life insurance(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 182 | $13K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 182 | $23K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 182 | $25K |
| Other(3 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 182 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.