| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $4K | $25K | $29K | 2.17% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - (SEE ATTACHED) | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $203K | $0 | $203K | 22.42% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN GENERAL INSURANCE COMPANY | $8K | $0 | $8K | 9.27% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 419013 KANSAS CITY, MO 64141 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $514 | $514 | 0.62% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | HARTFORD FIRE INSURANCE COMPANY | $0 | $178 | $178 | — |
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 | 3,944 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 243 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(18 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,806 | $177K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,944 | $1.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,944 | $1.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,944 | $1.3M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 3,994 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,994 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.