| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $71K | $71K | 4.64% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $35K | $35K | 2.32% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 6.68% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 3.37% |
| RSC INSURANCE BROKERAGE INC3 | 1086 TEANECK RD STE 5B TEANECK, NJ 07666 | UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 14.29% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY | — | $886 | $886 | 4.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | STE 5B 1086 TEANECK RD TEANECK, NJ 07666 | UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 11.46% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 1086 TEANECK RD STE 5B TEANECK, NJ 07666 | UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 18.54% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY | — | $282 | $282 | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY | — | $226 | $226 | 4.00% |
| RSC INSURANCE BROKERAGE INC3 | 1086 TEANECK RD STE 5B TEANECK, NJ 07666 | FIRST UNUM LIFE INSURANCE COMPANY | $750 | — | $750 | 20.45% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | $183 | $183 | 4.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | — | $147 | $147 | 4.01% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 152 | $89K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 152 | $89K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY | 179 | $26K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY | 179 | $42K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 17 | $4K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY | 179 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.