| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | AETNA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 0.84% |
| RSC INSURANCE BROKERAGE INC3 | ONE BELMONT AVE STE 500 BALA CYNWYD, PA 19004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $2K | $38K | 14.58% |
| RSC INSURANCE BROKERAGE INC3 | ONE BELMONT AVE STE 500 BALA CYNWYD, PA 19004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $231 | $5K | 14.55% |
| RSC INSURANCE BROKERAGE INC3 | ONE BELMONT AVE STE 500 BALA CYNWYD, PA 19004 | UNUM INSURANCE COMPANY | $2K | $153 | $2K | 9.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $856 | $171 | $1K | 5.66% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | UNUM INSURANCE COMPANY | $946 | $290 | $1K | 7.61% |
| RSC INSURANCE BROKERAGE INC3 | ONE BELMONT AVE STE 500 BALA CYNWYD, PA 19004 | UNUM INSURANCE COMPANY | $708 | $89 | $797 | 4.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | ONE BELMONT AVE STE 500 BALA CYNWYD, PA 19004 | UNUM INSURANCE COMPANY | $1K | $75 | $2K | 14.51% |
| ATEAM CONSULTANTS, LLC4 Filed as: ATEAM COUNSULTANTS LLC | 723 OAK MOUNTAIN ROAD, NW KENNESAW, GA 30152 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $381 | $0 | $381 | 9.57% |
| CLEMENT, INC.4 | 2539 JOHN HAWKINS PARKWAY BIRMINGHAM, AL 35244 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $87 | $0 | $87 | 2.19% |
| RSC INSURANCE BROKERAGE INC4 | OFC 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $30 | $0 | $30 | 0.75% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH INC. | 398 | $2.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 398 | $1.2M |
| Vision | AETNA LIFE INSURANCE COMPANY | 398 | $1.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $261K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $261K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $261K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH INC. | 398 | $2.7M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.