| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 01982 | COMMUNITY INSURANCE COMPANY | $156K | — | $156K | 3.30% |
| MCCAMON HUNT INSURANCE AGENCY INC3 | 8150 MARKET STREET BOARDMAN, OH 44512 | COMMUNITY INSURANCE COMPANY | $53K | — | $53K | 1.13% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 01982 | ANTHEM LIFE INSURANCE COMPANY | $12K | — | $12K | 5.77% |
| MCCAMON HUNT INSURANCE AGENCY INC3 | 8150 MARKET STREET BOARDMAN, OH 44512 | ANTHEM LIFE INSURANCE COMPANY | $5K | — | $5K | 2.24% |
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 | 662 | 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) | 662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 523 | $4.7M |
| Dental | COMMUNITY INSURANCE COMPANY | 523 | $4.7M |
| Vision | COMMUNITY INSURANCE COMPANY | 523 | $4.7M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 662 | $207K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 662 | $207K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 662 | $207K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 662 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 662 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.