| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 750 THIRD AVENUE 15TH FL NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $39K | $40K | 2.58% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 5TH AVE. STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $3K | $5K | 27.44% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 5TH AVE. STE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $1K | $1K | $3K | 22.46% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | PO BOX 970069 BOSTON, MA 02297 | VISION SERVICE PLAN | $621 | — | $621 | 9.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC. | 1787 SENTRY PKWY W. VEVA 16 STE 320 BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANE COMPANY OF AMERICA | $308 | $252 | $560 | 9.10% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 5TH AVE. STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $168 | $206 | $374 | 22.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Contract Administrator; Claims processing Service code 12 | — | $39K |
| THE DIFFERENCE CARD NONE | Claims processing; Contract Administrator Service code 12 | 245 MAIN STREET 6TH FL WHITE PLAINS, NY 10606 | $11K |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $1.6M |
| Dental | GUARDIAN LIFE INSURANE COMPANY OF AMERICA | 87 | $6K |
| Vision | VISION SERVICE PLAN | 52 | $7K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 106 | $13K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 73 | $19K |
| Other(2 contracts, 2 carriers) | CORPORATE COUNSELING ASSOCIATES, INC. | 130 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.