| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RISK STRATEGIES COMPANY (RSC) | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $53K | $53K | 3.99% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 CHICAGO, IL 60673 | DELTA DENTAL | $4K | $0 | $4K | 3.99% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $10K | 10.82% |
| SELMAN & COMPANY, LLC3 | ONE INTEGRITY PARKWAY RICHMOND HEIGHTS, OH 44143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 2.92% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W VEVA 16 #320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.09% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $205 | $2K | 16.53% |
| SELMAN & COMPANY, LLC3 | ONE INTEGRITY PARKWAY RICHMOND HEIGHTS, OH 44143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $398 | $398 | 2.97% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W VEVA 16 #320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $271 | $271 | 2.02% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | EYEMED VISION CARE | $1K | $0 | $1K | 9.91% |
| SELMAN & COMPANY, LLC3 | ONE INTEGRITY PARKWAY CLEVELAND, OH 19422 | EYEMED VISION CARE | $502 | $0 | $502 | 4.96% |
| JOHN GREENBAUM3 | 2 SPINGLER WAY S. HAMILTON, MA 01982 | KAISER FOUNDATION HEALTH PLAN INC | $210 | $0 | $210 | 3.47% |
| RSC INSURANCE BROKERAGE INC3 | 2101 FLORENCE AVE CINCINNATI, OH 45206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $117 | $18 | $135 | 11.55% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 122 | $1.3M |
| Dental | DELTA DENTAL | 183 | $106K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $1.3M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $105K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $92K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $91K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.