| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RISK STRATEGIES COMPANY (RSC) | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $120K | $120K | 4.95% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $48K | $48K | 1.98% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RISK STRATEGIES COMPANY (RSC) | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 0.10% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 3.96% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES LLC | 21 COMMERCE DR 3RD FL CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 3.62% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 2.80% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.85% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELM, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $593 | $2K | 1.54% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 0.76% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 2.79% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $647 | $647 | 1.79% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $423 | $141 | $564 | 1.56% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $239 | — | $239 | 0.66% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $889 | $889 | 2.99% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $467 | $467 | 1.57% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $310 | $107 | $417 | 1.40% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $180 | — | $180 | 0.61% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $507 | — | $507 | 13.51% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $426 | — | $426 | 13.23% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $77 | $77 | 2.81% |
| ASSUREDPARTNERS4 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $58 | $58 | 2.12% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29 | $9 | $38 | 1.39% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21 | — | $21 | 0.77% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $111 | — | $111 | 12.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 | Other fees Service code 99 | — | $120K |
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 | 606 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $168K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $2.4M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $32K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $36K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.