| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $68K | — | $68K | 6.04% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. DBA LA | PO BOX 736061 AMS- LEGACY DIRECT BILL CHICAGO, IL 606736061 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | — | $24K | 10.06% |
| SELMAN & COMPANY, LLC3 | 1 INTEGRITY PKWY CLEVELAND, OH 441431500 | PRINCIPAL LIFE INSURANCE COMPANY | — | $9K | $9K | 4.02% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 AMS - LEGACY DIRECT BILL RECEIPT LO CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.91% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 AMS - LEGACY DIRECT BILL RECEIPT LO CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.86% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 AMS - LEGACY DIRECT BILL RECEIPT LO CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.98% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 AMS - LEGACY DICT BILL RECEIPT CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.86% |
| LAROCCA AND ASSOCIATES INC5 | 3696 N FEDERAL HWY, STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| JOSEPH A LAROCCA SR3 Filed as: JOSEPH LAROCCA SR. | 3696 N.FEDERAL HWY, #202 202 FT LAUDERDALE, FL 33308 | EYEMED VISION CARE | $2K | — | $2K | 11.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE | PO BOX 736061 AMS LEGCY DIR BILL REPT CHIGACO, ID 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 20.75% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE | PO BOX 736061 AMS LEGCY DIR BILL REPT CHIGACO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 19.94% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE | PO BOX 736061 AMS LEGCY DIR BILL REPT CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 19.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE EIN 59-1031071 ADMINISTRATOR | Contract Administrator; Non-monetary compensation; Claims processing; Other services; Float revenue; Participant communication; Named fiduciary; Direct payment from the plan; Insurance services Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $24K |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 422 | $236K |
| Vision | EYEMED VISION CARE | 400 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $129K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $52K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.