| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $55K | $55K | 4.04% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $27K | $27K | 1.98% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $85 | $7K | 7.73% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 3.47% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 1086 TEANECK ROAD SUITE 5B TEANECK, NJ 07666 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 9.46% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | $997 | $997 | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | — | $349 | $349 | 1.75% |
| RSC INSURANCE BROKERAGE INC3 | 80 WEST CENTURY ROAD SUITE 301 PARAMUS, NJ 07652 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | $441 | $441 | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | — | $154 | $154 | 1.75% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 80 WEST CENTURY ROAD SUITE 301 PARAMUS, NJ 07652 | FIRST UNUM LIFE INSURANCE COMPANY | $818 | — | $818 | 13.74% |
| RSC INSURANCE BROKERAGE INC3 | 80 WEST CENTURY ROAD SUITE 301 PARAMUS, NJ 07652 | FIRST UNUM LIFE INSURANCE COMPANY | $532 | — | $532 | 15.01% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | $177 | $177 | 4.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | — | $62 | $62 | 1.75% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC, | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $190 | — | $190 | 10.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | — | $76 | $76 | 4.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC, | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $190 | — | $190 | 10.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | — | $76 | $76 | 4.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC, | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $190 | — | $190 | 10.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY,INC. | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $76 | $76 | 4.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC, | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $190 | — | $190 | 10.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $76 | $76 | 4.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC, | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $142 | — | $142 | 9.98% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $57 | $57 | 4.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC, | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $16 | — | $16 | 10.13% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | — | $6 | $6 | 3.80% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $1.3M |
| Dental(7 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $103K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $94K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 135 | $29K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 135 | $20K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 14 | $4K |
| Other(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 135 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.