| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER. INC | 750 THIRD AVENUE 15TH FLOOR NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $49K | $49K | 24.80% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 12.40% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RISK STRATEGIES COMPANY (RSC) | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 7.38% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 4.41% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 80 WEST CENTURY ROAD SUITE 301 PARAMUS, NJ 07652 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $211 | $5K | 10.35% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | $861 | $861 | 1.62% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | — | $448 | $448 | 0.84% |
| RSC INSURANCE BROKERAGE INC3 | 80 WEST CENTURY ROAD SUITE 301 PARAMUS, NJ 07652 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $54 | $2K | 14.06% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | $593 | $593 | 4.55% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | — | $87 | $87 | 0.67% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 80 WEST CENTURY ROAD SUITE 301 PARAMUS, NJ 07652 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 22.72% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RISK STRATEGIES COMPANY (RSC) | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $275 | — | $275 | 9.99% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $138 | $138 | 5.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RISK STRATEGIES COMPANY (RSC) | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $42 | — | $42 | 9.93% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | — | $21 | $21 | 4.96% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 108 | $198K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 94 | $102K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 94 | $99K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 110 | $66K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 110 | $53K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 110 | $53K |
| Other(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 110 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.