| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK INS BROKERAGE INC3 | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | $241K | $22K | $262K | 5.04% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 4555 LAKE FOREST DRIVE SITE 510 CINCINNATI, OH 45242 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 9.20% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.48% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 4555 LAKE FOREST DRIVE SUITE 510 CINCINNATI, OH 45242 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 9.20% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.49% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 4555 LAKE FOREST DRIVE SUITE 510 CINCINNATI, OH 45242 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.53% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $743 | $743 | 1.51% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA RIS | 4555 LAKE FOREST DRIVE SUITE 510 CINCINNATI, OH 45242 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.19% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $200 | $200 | 1.51% |
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 | 691 | 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) | 691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 548 | $5.2M |
| Dental | COMMUNITY INSURANCE COMPANY | 548 | $5.2M |
| Vision | COMMUNITY INSURANCE COMPANY | 548 | $5.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $49K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $85K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $92K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.