| 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 | ANTHEM BLUE CROSS | $259K | $0 | $259K | 2.37% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 01982 | DELTA DENTAL OF NEW YORK | $27K | $0 | $27K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $38K | $5K | $42K | 12.30% |
| SELMAN & COMPANY, LLC3 | ONE INTEGRITY PARKWAY CLEVELAND, OH 60008 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $0 | $17K | $17K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $3K | $0 | $3K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $6 | $0 | $6 | 0.01% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $415 | $5K | 13.30% |
| SELMAN & COMPANY, LLC3 | ONE INTEGRITY PARKWAY CLEVELAND, OH 44143 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 4.47% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $935 | $122 | $1K | 5.22% |
| SELMAN & COMPANY, LLC3 | ONE INTEGRITY PARKWAY CLEVELAND, OH 44143 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $0 | $526 | $526 | 2.60% |
| RSC INSURANCE BROKERAGE INC3 | 750 THIRD AVENUE NEW YORK, NY 10017 | FEDERAL INSURANCE COMPANY | $354 | $36 | $390 | 16.52% |
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 | 381 | 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) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 331 | $10.9M |
| Dental | DELTA DENTAL OF NEW YORK | 339 | $535K |
| Vision | VISION SERVICE PLAN | 335 | $65K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 381 | $344K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 33 | $20K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 381 | $344K |
| Other(4 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 381 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.