| 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 | $12K | $156K | $168K | 4.31% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | 1787 SENTRY PKWY W. VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $83K | $83K | 2.13% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $1K | $8K | 5.94% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.59% |
| SELMAN & COMPANY, LLC3 | ONE INTEGRITY PARKWAY RICHMOND HEIGHTS, OH 44343 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $547 | $547 | 0.41% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE STE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $611 | $5K | 7.29% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.09% |
| SELMAN & COMPANY, LLC3 | ONE INTEGRITY PARKWAY RICHMOND HEIGHTS, OH 44143 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $290 | $290 | 0.39% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.06% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | VISION SERVICE PLAN | $588 | $0 | $588 | 2.68% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 191 | $3.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 191 | $3.9M |
| Vision | VISION SERVICE PLAN | 128 | $22K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 224 | $133K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 224 | $133K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.