| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $57K | — | $57K | 4.01% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 1.22% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | $2K | $4K | 9.21% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | — | $2K | 3.65% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVENUE SUITE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 8.09% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $36 | $2K | 5.25% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | — | $605 | $605 | 1.88% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $797 | — | $797 | 5.57% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $50 | — | $50 | 0.35% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVENUE SUITE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 15.45% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $406 | $9 | $415 | 5.26% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | — | $150 | $150 | 1.90% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | SUN LIFE AND HEALTH INSURANCE COMPANY(U.S.) | $6 | — | $6 | 5.36% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | SUN LIFE AND HEALTH INSURANCE COMPANY(U.S.) | $3 | — | $3 | 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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 202 | $1.4M |
| Vision | VISION SERVICE PLAN | 99 | $14K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 125 | $40K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 75 | $47K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 75 | $47K |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 125 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.