| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 2101 FLORENCE AVE #114 CINCINNATTI, OH 45206 | ANTHEM BLUE CROSS | $104K | $0 | $104K | 3.29% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5200 N PALM AVE STE 114 FRESNO, CA 93704 | ANTHEM BLUE CROSS | $0 | $30K | $30K | 0.95% |
| RSC INSURANCE BROKERAGE INC3 | 4TH FLOOR 160 FEDERAL STREET BOSTON, MA 02110 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 14.96% |
| SELMAN & COMPANY, LLC5 Filed as: SELMAN & COMPANY LLC | ONE INTEGRITY PKWY CLEVELAND, OH 44143 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 4.96% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $76 | $76 | 0.13% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET,4TH FLOOR, BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.36% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER | 750 THIRD AVENUE,15TH FLOOR, NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.33% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS (LIST ATTACHED) | — | AFLAC | $11K | $1K | $12K | 27.25% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.36% |
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 | 356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 205 | $3.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 169 | $48K |
| Vision | VISION SERVICE PLAN | 161 | $24K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 356 | $104K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 356 | $59K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 356 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.