| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER, INC | 160 FEDERAL STF FL 4 BOSTON, MA 02110 | RELIANCE STANDARD | $3K | $0 | $3K | 12.92% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5250 N PALM SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD | $921 | $0 | $921 | 4.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | 4000 MIDATLANTIC DRIVE SUITE 300 MOUNT LAUREL, NJ 080541558 | RELIANCE STANDARD | $165 | $489 | $654 | 3.26% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST NEWARK, NJ 07105 | RELIANCE STANDARD | $82 | $0 | $82 | 0.41% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.66% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5250 N PALM SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $764 | $0 | $764 | 4.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 400 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $90 | $416 | $506 | 3.03% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST PP-13V NEWARK, NJ 07105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $69 | $0 | $69 | 0.41% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER, INC | 160 FEDERAL STF FL 4 BOSTON, MA 02110 | RELIANCE STANDARD | $332 | $0 | $332 | 9.13% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5250 N PALM SUITE 424 FRESNOC, CA 93704 | RELIANCE STANDARD | $166 | $0 | $166 | 4.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | 4000 MIDATLANTIC DRIVE SUITE 300 MOUNT LAUREL, NJ 08054 | RELIANCE STANDARD | $32 | $91 | $123 | 3.38% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST NEWARK, NJ 07105 | RELIANCE STANDARD | $16 | $0 | $16 | 0.44% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $17K |
| Long-term disability | RELIANCE STANDARD | 179 | $20K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.