| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER. INC | 750 THIRD AVENUE 15TH FLOOR NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $0 | $14K | 7.10% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $10K | $10K | 4.96% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $2K | $13K | 7.80% |
| SELMAN & COMPANY, LLC3 | ONE INTEGRITY PARKWAY CLEVELAND, OH 44143 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 4.60% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE,INC. | AMS - LEGACY DIRECT BILL RECEIPT LO PO BOX 736061 CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 9.41% |
| EPSIX, INC.3 | 3924 E DYER LN, SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.00% |
| JUSTIN MATTHEW BUCK3 | 71 DEEPWOOD DR, MADISON, CT 06443 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.37% |
| STEPHEN WEST3 | 5 JANE ST, BEACON FALLS, CT 06403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $362 | $0 | $362 | 0.90% |
| RICHARD SAENZ3 | 657 OLD STRATFIELD RD, FAIRFIELD, CT 06825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $213 | $0 | $213 | 0.53% |
| EVAN D CROSS3 | 100 ALLERTON RD, MILTON, MA 02186 | CONTINENTAL AMERICAN INSURANCE COMPANY | $203 | $0 | $203 | 0.51% |
| JOEL B KARAS3 | 130 PARSONS ST, BRIGHTON, MA 02135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $150 | $0 | $150 | 0.37% |
| STEVEN R KARAS3 Filed as: STEVEN ROBERT KARAS | 222 WARD ST, NEWTON CENTRE, MA 02459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | $0 | $60 | 0.15% |
| KYLE A SCHOALES3 | 23 BARTHEL AVE, GARDNER, MA 01440 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.10% |
| JOHANN SCOTT SCRIMSHIRE3 | 200 S MAIN ST, STE 130-405 SEBASTOPL, CA 95472 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | $0 | $36 | 0.09% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: CHARLEEN ANTOINETTE BROWN | 2565 ALLEGHANY LOOP, VIRGINIA BEACH, VA 23456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.03% |
| DAVID J MCCLELLAN3 Filed as: DAVID SCOTT HALLETT | 8 BROOKS STREET, WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.03% |
| ROBERT THOMAS JENSEN3 | 5 JEANNE MARIE COURT, HUNTINGTON, NY 11743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.02% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 19 IDLE DAY DR, CENTERPORT, NY 11721 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.02% |
| CHARLEEN ANTOINETTE WRIGHT3 | 2565 ALLEGHANY LOOP, VIRGINIA BEACH, VA 23453 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| TRAVIS M ALDERMAN3 Filed as: TRAVIS ALDERMAN | 39 RIVER ROAD, FLANDERS, NJ 07836 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| RACHAEL FERRANTE3 | 44 BERKSHIRE DR, HOWELL, NJ 07731 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| PHILLIP GREER3 | 2881 BALD EAGLE RD, VIRGINIA BEACH, VA 23453 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| GLENN E SMITH3 Filed as: GLENN EDWIN SMITH | 1136 MASTERS ROW, CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| JOHN BALLINGER3 | 2456 KERR DR # L-65, VIRGINIA BEACH, VA 23454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| DEAN F SHIPMAN3 Filed as: DEAN FRANCIS SHIPMAN | 13600 OWEN RD, BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| CHRIS STROUD3 | 120 SMITHTOWN RD, HACKETTSTOWN, NJ 07840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP INC. | 150 ALLEN ROAD, SUITE 110 BASKING RIDGE, NJ 08807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVE, INTERLAKEN, NJ 07712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE MARY SUDANO | 74 KNOX LANE, MANALAPAN, NJ 07726 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| NICHOLAS E VIGIL3 Filed as: NICHOLAS KARL WAGNER | 1508 BACK COVE RD, VIRGINIA BEACH, VA 23454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| RONDA SUZANNE MATHEW3 | 323 CLAY STREET, NEVADA CITY, CA 95959 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.88% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | VISION SERVICE PLAN | $723 | $0 | $723 | 2.69% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY CLEVELAND, OH 44143 | VISION SERVICE PLAN | $221 | $0 | $221 | 0.82% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER. INC | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER. INC | 750 THIRD AVENUE 15TH FLOOR NEW YORK, NY 10017 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $781 | $0 | $781 | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $0 | $390 | $390 | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER. INC | 750 THIRD AVENUE 15TH FLOOR NEW YORK, NY 10017 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $108 | $0 | $108 | 10.04% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $0 | $54 | $54 | 5.02% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER. INC | 750 THIRD AVENUE 15TH FLOOR NEW YORK, NY 10017 | CIGNA HEALTHCARE OF CONNECTICUT INC | $59 | $0 | $59 | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTHCARE OF CONNECTICUT INC | $0 | $29 | $29 | 4.92% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER. INC | 750 THIRD AVENUE 15TH FLOOR NEW YORK, NY 10017 | CIGNA DENTAL HEALTH OF MARYLAND INC. | $7 | $0 | $7 | 10.14% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF MARYLAND INC. | $0 | $3 | $3 | 4.35% |
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 | 288 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 198 | $204K |
| Vision | VISION SERVICE PLAN | 164 | $27K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $168K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $168K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.