| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER, INC | 750 THIRD AVE. 15TH FLOOR NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $36K | $0 | $36K | 5.48% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $15K | $15K | 2.20% |
| ADVOCATE, INC.3 Filed as: ADVOCATE INC. DBA NAVA | 228 PARK AVE S PMB 97880 NEW YORK, NY 10003 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.34% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER, INC | 750 THIRD AVE. FL 15 NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $0 | $11K | 9.92% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $6K | $6K | 4.96% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE NC | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $407 | $10K | 15.76% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.04% |
| ADVOCATE, INC.3 Filed as: ADVOCATE INC. | 228 PARK AVENUE SOUTH PRIVATE MAIL BOX 97880 NEW YORK, NY 10003 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $466 | $466 | 0.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 N/A | Claims processing Service code 12 | — | $29K |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $665K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 117 | $115K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 117 | $115K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 213 | $65K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 213 | $65K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 213 | $65K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 213 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.