| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERS, INC. | 750 THIRD AVENUE 15TH FL NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $127K | $135K | 4.10% |
| 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 | — | $69K | $69K | 2.10% |
| 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 | — | $2K | $2K | 0.06% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE STE 3700 NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 4.96% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 4TH FL BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 1.75% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | — | $7K | 16.21% |
| EMERSON REID LLC3 | 350 FIFTH STATE BUILDING STE 3700 NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | — | $6K | 14.55% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 2ND FL BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 5.09% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE | $3K | — | $3K | 14.53% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER, INC. | 750 THIRD AVENUE 15TH FL NEW YORK, NY 10017 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $1K | — | $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. | — | $737 | $737 | 5.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER, INC. | 750 THIRD AVENUE 15TH FL NEW YORK, NY 10017 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $548 | — | $548 | 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. | — | $392 | $392 | 5.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER, INC. | 750 THIRD AVENUE 15TH FL NEW YORK, NY 10017 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $110 | — | $110 | 7.02% |
| 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. | — | $78 | $78 | 4.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAGE WORKS EIN 94-3351864 NONE | Claims processing; Contract Administrator Service code 12 | — | $7K |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $3.3M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $3.3M |
| Vision | EYEMED VISION CARE | 187 | $22K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 199 | $41K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 230 | $101K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 199 | $41K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 199 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.