| 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 | $116K | $121K | 4.08% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PKWY W. VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $61K | $61K | 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 | $8K | $0 | $8K | 15.00% |
| 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. | $1K | $0 | $1K | 7.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PKWY W. VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $0 | $656 | $656 | 4.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE | $2K | $0 | $2K | 17.49% |
| 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. | $540 | $0 | $540 | 7.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PKWY W. VEVA STE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $0 | $309 | $309 | 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 | $321 | $0 | $321 | 15.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $90 | $0 | $90 | 7.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PKWY W. VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $0 | $51 | $51 | 3.97% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER, INC. | 160 FEDERAL STREET 4TH FL BOSTON, MA 02110 | CIGNA DENTAL HEALTH OF CONNECTICUT, INC. | $45 | $0 | $45 | 7.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PKWY W. VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF CONNECTICUT, INC. | $0 | $26 | $26 | 4.04% |
| 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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 158 | $3.0M |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 158 | $3.0M |
| Vision | EYEMED VISION CARE | 107 | $13K |
| Life insurance | CIGNA LIFE INSURANCE CO OF NEW YORK | 165 | $9K |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 165 | $56K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.