| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $88K | $0 | $88K | 17.72% |
| RSC INSURANCE BROKERAGE INC3 | 750 THIRD AVENUE SUITE 1500 NEW YORK, NY 10017 | RELIANCESTANDARD | $3K | $0 | $3K | 5.42% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 160 FEDERAL ST 2ND FL BOSTON, MA 02110 | RELIANCESTANDARD | $3K | $0 | $3K | 5.15% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BEL, PA 19422 | RELIANCESTANDARD | $3K | $0 | $3K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER INC | 750 THIRD AVENUE SUITE 1500 NEW YORK, NY 10017 | RELIANCESTANDARD | $4K | $0 | $4K | 7.61% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | RELIANCESTANDARD | $2K | $0 | $2K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 160 FEDERAL STREET 2ND FL BOSTON, MA 02110 | RELIANCESTANDARD | $1K | $0 | $1K | 3.25% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 750 THIRD AVENUE SUITE 1500 NEW YORK, NY 10017 | RELIANCE STANDARD | $3K | $0 | $3K | 7.97% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 160 FEDERAL STREET 2ND FL BOSTON, MA 02110 | RELIANCE STANDARD | $2K | $0 | $2K | 5.25% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | RELIANCE STANDARD | $2K | $0 | $2K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 750 THIRD AVENUE SUITE 1500 NEW YORK, NY 10017 | RELIANCESTANDARD | $3K | $0 | $3K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BEL, PA 19422 | RELIANCESTANDARD | $1K | $0 | $1K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | RELIANCESTANDARD | $106 | $0 | $106 | 0.41% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $804 | $0 | $804 | 6.70% |
| RSC INSURANCE BROKERAGE INC3 | 750 THIRD AVENUE SUITE 1500 NEW YORK, NY 10017 | RELIANCESTANDARD | $306 | $0 | $306 | 15.02% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | RELIANCESTANDARD | $102 | $0 | $102 | 5.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | RELIANCESTANDARD | $96 | $0 | $96 | 4.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATOR | Float revenue; Named fiduciary; Claims processing; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Other services; Participant communication Service code 12 | — | $44K |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 87 | $499K |
| Vision | VISION SERVICE PLAN | 94 | $12K |
| Life insurance | RELIANCESTANDARD | 156 | $58K |
| Short-term disability | RELIANCESTANDARD | 118 | $46K |
| Long-term disability | RELIANCE STANDARD | 157 | $40K |
| Other(3 contracts) | RELIANCESTANDARD | 156 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.