| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER, INC. | 750 THIRD AVENUE 15TH FL NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $42K | $43K | 2.58% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $3K | $6K | 25.46% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | COMPANION LIFE INSURANCE COMPANY | $1K | $2K | $3K | 22.53% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY OKWY W STE 320 BLUE BELL, PA 19422 | COMPANION LIFE INSURANCE COMPANY | $748 | $374 | $1K | 15.00% |
| 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 | $335 | $212 | $547 | 8.16% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | MUTUAL OF OMAHA INSURANCE COMPANY | $176 | $221 | $397 | 22.54% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | MUTUAL OF OMAHA INSURANCE COMPANY | $56 | $28 | $84 | 15.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Claims processing; Contract Administrator Service code 12 | — | $42K |
| RSC INSURANCE BROKER, INC NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 750 THIRD AVENUE 15TH FL NEW YORK, NY 10017 | $42K |
| THE DIFFERENCE CARD NONE | Claims processing; Contract Administrator Service code 12 | 245 MAIN STREET 6TH FL WHITE PLAINS, NY 10606 | $10K |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $1.7M |
| Dental | GUARDIAN LIFE INSURANE COMPANY OF AMERICA | 90 | $7K |
| Vision | VISION SERVICE PLAN | 54 | $7K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 104 | $21K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 102 | $22K |
| Other(4 contracts, 3 carriers) | CORPORATE COUNSELING ASSOCIATES, INC. | 171 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.