| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 750 THIRD AVE 15TH FLOOR NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANC COMPANY | $0 | $44K | $44K | 4.50% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANC COMPANY | $0 | $20K | $20K | 2.00% |
| RSC INSURANCE BROKERAGE INC3 | 1086 TEANECK ROAD SUITE 5 B TEANECK, NJ 07666 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $2K | $6K | 6.40% |
| INTERNAL PLANNING ALL LLC3 | — | GUARDIAN LIFE INSURANCE COMPANY | $66 | $0 | $66 | 0.08% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 10.54% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 8.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $2K | $3K | $5K | 22.25% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | VSP | $769 | $0 | $769 | 7.29% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 100 SUMMIT LAKE DR VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $469 | $399 | $868 | 10.37% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANC COMPANY | 128 | $981K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 107 | $87K |
| Vision | VSP | 85 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSUARNCE COMPANY | 107 | $24K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 25 | $8K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 107 | $42K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSUARNCE COMPANY | 107 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.