| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | UNITED HEALTHCARE INSURANCE COMPANY | $57K | — | $57K | 4.75% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED HEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 1.11% |
| JEFFREY FRIEDRICH3 | 72 EAGLE ROCK AVE STE 260 EAST HANOVER, NJ 07936 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.09% |
| NICOLA RIVERSO3 | 72 EAGLE ROCK AVE STE 260 EAST HANOVER, NJ 07936 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.09% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 1086 TEANECK RD SUITE 5B TEANECK, NJ 07666 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.15% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL ST BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $417 | $417 | 1.75% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FLOOR 2 BOSTON, MA 02110 | VSP | $762 | — | $762 | 7.36% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 669 RIVER DR STE 305 ELMWOOD PARK, NJ 07407 | VSP | $517 | — | $517 | 5.00% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 200 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 285 | $71K |
| Vision | VSP | 75 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $24K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.