| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET-2ND AND 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $103K | — | $103K | 13.68% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET-2ND FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 9.93% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 7500 OLD GEORGETOWN ROAD, STE 925 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.72% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 7500 OLD GEORGETOWN RD-SUITE 925 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.43% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 02110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 19.68% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 7500 OLD GEORGETOWN ROAD, STE 925 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.73% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST - 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $1K | — | $1K | 4.82% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 7500 OLD GEORGETOWN ROAD - STE 925 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $876 | $876 | 3.82% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 3100 E MIRALOMA AVE SUITE 240 ANAHEIM, CA 92806 | COMBINED INSURANCE COMPANY | $417 | — | $417 | 2.13% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 02110 | COMBINED INSURANCE COMPANY | $417 | — | $417 | 2.13% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 253 | $754K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 160 | $195K |
| Vision | VISION SERVICE PLAN | 152 | $27K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $61K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 185 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $38K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.