| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | AETNA LIFE INSURANCE COMPANY | $84K | $0 | $84K | 3.97% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | AETNA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 FELLOWSHIP ROAD, SUITE 200 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $0 | $52 | $52 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | MUTUAL OF OMAHA INSURANCE COMPANY | $8K | $0 | $8K | 13.68% |
| SELMAN & COMPANY, LLC3 | 1 INTEGRITY PARKWAY CLEVELAND, OH 44143 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $3K | $3K | 4.57% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $1K | $1K | 1.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | MUTUAL OF OMAHA INSURANCE COMPANY | $709 | $0 | $709 | 1.22% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | COMPANION LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.69% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | COMPANION LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.31% |
| SELMAN & COMPANY, LLC3 | 1 INTEGRITY PARKWAY CLEVELAND, OH 44143 | COMPANION LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | COMPANION LIFE INSURANCE COMPANY | $387 | $0 | $387 | 1.31% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.51% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 218 | $2.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 218 | $2.1M |
| Vision | VISION SERVICE PLAN | 95 | $21K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 149 | $88K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 149 | $58K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 149 | $58K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 218 | $2.1M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 149 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.