| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $26K | — | $26K | 4.96% |
| RSC INSURANCE BROKERAGE INC3 | 1086 TEANECK ROAD 5TH FLOOR TEANECK, NJ 07666 | SUNLIFE AND HEALTH INSURANCE COMPANY | $12K | — | $12K | 3.68% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | SUNLIFE AND HEALTH INSURANCE COMPANY | — | $3K | $3K | 1.03% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $2K | — | $2K | 3.59% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | — | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $177 | — | $177 | 4.91% |
| RSC INSURANCE BROKERAGE INC3 | — | CIGNA HEALHCARE OF CONNECTICUT | $85 | — | $85 | 5.18% |
| RSC INSURANCE BROKERAGE INC3 | — | CIGNA DENTAL HEALTH OF VIRGINIA,INC. | $59 | — | $59 | 5.14% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | — | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $24 | — | $24 | 4.88% |
| RSC INSURANCE BROKERAGE INC3 | — | CIGNA DENTAL HEALTH OF TEXAS, INC. | $19 | — | $19 | 5.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE CO. EIN 59-1031071 CLAIMS ADMINISTRATION | Named fiduciary; Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Float revenue; Participant communication Service code 12 | — | $513K |
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 | 395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 985 | $538K |
| Vision | VISION SERVICE PLAN | 455 | $53K |
| Life insurance | SUNLIFE AND HEALTH INSURANCE COMPANY | 562 | $319K |
| Short-term disability | SUNLIFE AND HEALTH INSURANCE COMPANY | 562 | $319K |
| Long-term disability | SUNLIFE AND HEALTH INSURANCE COMPANY | 562 | $319K |
| Stop-loss / reinsurancereinsurance | NIAGRA LIFE AND HEALTH INSURANCE COMPANY | 411 | $538K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 985 | $849K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 985 | — |
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."
No prospect flags tripped on this filing.