| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | CIGNA | $75K | -$130 | $75K | 9.43% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 1787 SENTRY PKWY W VEVA STE 16 320 BLUE BELL, PA 19422 | CIGNA | $0 | -$56 | -$56 | -0.01% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | -$130 | $7K | 5.31% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC., | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.93% |
| RSC INSURANCE BROKERAGE INC3 | 750 THIRD AVE 15TH FLOOR NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.80% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE I | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | SUN LIFE AND HEALTH INSURANCE COMPANY | $10K | $3K | $13K | 12.59% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 NEW YORK, NY 10118 | SUN LIFE AND HEALTH INSURANCE COMPANY | $5K | $2K | $7K | 6.78% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE I | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | SUN LIFE AND HEALTH INSURANCE COMPANY | $400 | $229 | $629 | 0.67% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 3700 NEW YORK, NY 10118 | SUN LIFE AND HEALTH INSURANCE COMPANY | $0 | $153 | $153 | 0.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS COMPANY EIN 59-1031071 N/A | Claims processing Service code 12 | — | $65K |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 241 | $798K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 155 | $140K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 227 | $103K |
| Short-term disability(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY | 406 | $197K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 227 | $103K |
| Other(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY | 406 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.