| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST - 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $97K | $109K | 6.07% |
| BAKER BENEFITS CORP3 | 4219 HILLSBORO ROAD - SUITE 213 NASHVILLE, TN 37215 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $987 | $8K | $9K | 0.49% |
| BAKERS BENEFITS CORPORATION3 | 4219 HILLSBORO ROAD-STE 213 NASHVILLE, TN 37215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 20.00% |
| RSC INSURANCE BROKERAGE INC3 | 1350 AVE OF THE AMERICAS-FL 18, 19 NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.97% |
| BAKER BENEFITS GROUP3 Filed as: BAKER BENEFITS CORPORATION | 4219 HILLSBORO ROAD - STE 213 NASHVILLE, TN 37215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $222 | — | $222 | 2.20% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40 | $133 | $173 | 1.72% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II-STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37 | — | $37 | 0.37% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 1350 AVENUE OF THE AMERICAS FLOORS 18, 19 NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $366 | — | $366 | 15.98% |
| BAKER BENEFITS CORP3 | 4219 HILLSBORO ROAD - STE 213 NASHVILLE, TN 37215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50 | — | $50 | 2.18% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9 | $30 | $39 | 1.70% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8 | — | $8 | 0.35% |
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 | 172 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 179 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 179 | $1.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 179 | $1.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $60K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 179 | $1.8M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
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.