| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTREY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | GUARDIAN | $8K | $2K | $11K | 12.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 2.80% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $641 | — | $641 | 7.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC. EIN 22-0999690 CLAIMS PROCESSING | Claims processing Service code 12 | — | $95K |
| RSC INSURANCE BROKERAGE, INC. EIN 16-1689464 INSURANCE AGENT /BROKER | Other commissions Service code 55 | 160 FEDERAL ST BOSTON, MA 02110 | $66K |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY INC. | 410 | $110K |
| Vision | VISION SERVICE PLAN | 58 | $9K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 193 | $149K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 81 | $59K |
| Other(3 contracts, 3 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 280 | $627K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.