| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERS, INC. | 160 FEDERAL STREET 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $88K | $93K | 4.08% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DRIVE CTR II STE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $47K | $47K | 2.06% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 4TH FL BOSTON, MA 02110 | CIGNA LIFE INSURANCE CO OF NEW YORK | $7K | $0 | $7K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE | $2K | $0 | $2K | 12.76% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER, INC. | 160 FEDERAL STREET 4TH FL BOSTON, MA 02110 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $819 | $0 | $819 | 6.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DRIVE CTR II STE 305 ELMWOOD PARK, NJ 07407 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $0 | $469 | $469 | 4.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 2ND FL BOSTON, MA 02110 | CIGNA LIFE INSURANCE CO OF NEW YORK | $1K | $0 | $1K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER, INC. | 160 FEDERAL STREET 2ND FL BOSTON, MA 02110 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $386 | $0 | $386 | 7.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DRIVE CTR II STE 305 ELMWOOD PARK, NJ 07407 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $0 | $221 | $221 | 4.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 4TH FL BOSTON, MA 02110 | CIGNA LIFE INSURANCE CO OF NEW YORK | $260 | $0 | $260 | 15.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER, INC. | 160 FEDERAL STREET 4TH FL BOSTON, MA 02110 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $32 | $0 | $32 | 6.97% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DRIVE CTR II STE 305 ELMWOOD PARK, NJ 07407 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $0 | $18 | $18 | 3.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAGE WORKS EIN 94-3351864 NONE | Contract Administrator; Claims processing Service code 12 | — | $3K |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $2.3M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $2.3M |
| Vision | EYEMED VISION CARE | 99 | $14K |
| Life insurance | CIGNA LIFE INSURANCE CO OF NEW YORK | 135 | $8K |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 135 | $47K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.