| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 5575 VENTURE DR STE D CLEVELAND, OH 44130 | UNITEDHEALTHCARE INSURANCE COMPANY | $160K | $0 | $160K | 7.40% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NJ NY | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $27K | $27K | 1.26% |
| 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 | $13K | $0 | $13K | 7.14% |
| 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 | $9K | $9K | 4.96% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 6.77% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $5K | $10K | 6.17% |
| SELMAN & COMPANY, LLC3 | ONE INTEGRITY PARKWAY CLEVELAND, OH 44143 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 1.65% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER. INC | AMS - LEGACY DIRECT BILL RECEIPT LO PO BOX 736061 CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 8.09% |
| EPSIX, INC.3 Filed as: EPSIX INC | 13924 E DYER LN SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.56% |
| JUSTIN MATTHEW BUCK3 | 71 DEEPWOOD DR MADISON, CT 06443 | CONTINENTAL AMERICAN INSURANCE COMPANY | $862 | $0 | $862 | 2.37% |
| JOHANN SCOTT SCRIMSHIRE3 | 200 S MAIN ST STE 130-405 SEBASTOPOL, CA 95472 | CONTINENTAL AMERICAN INSURANCE COMPANY | $488 | $0 | $488 | 1.34% |
| CHARLEEN ANTOINETTE WRIGHT3 | 2565 ALLEGHANY LOOP VIRGINIA BEACH, VA 23456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $315 | $0 | $315 | 0.87% |
| STEPHEN WEST3 | 5 JANE ST BEACON FALLS, CT 06403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | $0 | $169 | 0.47% |
| STEVEN R KARAS3 Filed as: STEVEN ROBERT KARAS | 222 WARD ST NEWTON CENTRW, MA 02459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | $0 | $85 | 0.23% |
| RONDA SUZANNE MATHEW3 | 323 CLAY STREET NEVADA CITY, CA 95959 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | $0 | $72 | 0.20% |
| RICHARD SAENZ3 | 657 OLD STRATFIELD RD APT 3 FAIRFIELD, CT 06825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | $0 | $68 | 0.19% |
| TRAVIS M ALDERMAN3 Filed as: TRAVIS ALDERMAN | 39 RIVER ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | $0 | $63 | 0.17% |
| NICHOLAS E VIGIL3 Filed as: NICHOLAS KARL WAGNER | 1508 BACK COVE RD VIRGINIA BEACH, VA 23454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.15% |
| JOEL B KARAS3 | 8 SHANLEY ST BRIGHTON, MA 02135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | $0 | $46 | 0.13% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 0.11% |
| EVAN D CROSS3 | 100 ALLERTON RD MILTON, MA 02186 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.11% |
| RACHAEL FERRANTE3 | 44 BERKSHIRE DRIVE HOWELL, NJ 07731 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | $0 | $38 | 0.10% |
| DEAN F SHIPMAN3 Filed as: DEAN FRANCIS SHIPMAN | 13600 OWEN RD BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | $0 | $38 | 0.10% |
| JOHN BALLINGER3 | 2456 KERR DR # L65 VIRGINIA BEACH, VA 23454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | $0 | $34 | 0.09% |
| ROBERT THOMAS JENSEN3 | 5 JEANNE MARIE COURT HUNTINGTON, NY 11743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | $0 | $29 | 0.08% |
| GLENN E SMITH3 Filed as: GLENN EDWIN SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | $0 | $29 | 0.08% |
| DAVID J MCCLELLAN3 Filed as: DAVID SCOTT HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.04% |
| PHILLIP GREER3 | 2881 BALD EAGLE RD VIRGINIA BEACH, VA 23453 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.03% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP INC. | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 08807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.03% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVENUE INTERLAKEN, NJ 07712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.02% |
| CHRIS STROUD3 | 120 SMITHTOWN RD HACKETTSTOWN, NJ 07840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| COLIN MCVETTY3 | 41 TEMPLE ST FL 2 WILLISTON PARK, NY 11569 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| ROSE & KIERNAN INC3 Filed as: ROSE MARY SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
| PATRICK R RUHLE3 | 200 GARDEN CITY PLAZA #410 GARDEN CITY, NY 11530 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 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 | 4.83% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | VISION SERVICE PLAN | $828 | $0 | $828 | 2.99% |
| 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. | $1K | $0 | $1K | 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 | $511 | $511 | 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. | $111 | $0 | $111 | 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 | $55 | $55 | 4.97% |
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 | 495 | 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) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 495 | $2.2M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 184 | $192K |
| Vision | VISION SERVICE PLAN | 167 | $28K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 937,796 | $162K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 937,796 | $162K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 937,796 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 937,796 | — |
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.