| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 2890 SR 84 SUITE 119 FORT LAUDERDALE, FL 33312 | HUMANA MEDICAL PLAN, INC. | — | $9K | $9K | 0.63% |
| RSC INSURANCE BROKERAGE INC3 | 750 3RD AVE SUITE 1500 NEW YORK, NY 10017 | HUMANA MEDICAL PLAN, INC. | — | $420 | $420 | 0.03% |
| RSC INSURANCE BROKERAGE INC3 | 2890 SR 84 SUITE 119 FORT LAUDERDALE, FL 33312 | HUMANA MEDICAL PLAN, INC. | — | $2K | $2K | 0.70% |
| RSC INSURANCE BROKERAGE INC3 | 750 3RD AVE SUITE 1500 NEW YORK, NY 10017 | HUMANA MEDICAL PLAN, INC. | — | $80 | $80 | 0.03% |
| RSC INSURANCE BROKERAGE INC3 | 2890 SR 84 SUITE 119 FORT LAUDERDALE, FL 33312 | HUMANA INSURANCE COMPANY | $8K | — | $8K | 6.60% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 3.38% |
| RSC INSURANCE BROKERAGE INC3 | 2890 SR 84 SUITE 119 FORT LAUDERDALE, FL 33312 | HUMANA INSURANCE COMPANY | — | $292 | $292 | 0.25% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.01% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.99% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.10% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.90% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.15% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.85% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $671 | — | $671 | 1.98% |
| VOLUNTARY INS GROUP INC3 | 231 SSW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $671 | — | $671 | 1.98% |
| RSC INSURANCE BROKERAGE INC3 | 2890 SR 84 SUITE 119 FORT LAUDERDALE, FL 33312 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 6.59% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | HUMANA INSURANCE COMPANY | $742 | — | $742 | 3.39% |
| RSC INSURANCE BROKERAGE INC3 | 2890 SR 84 SUITE 119 FORT LAUDERDALE, FL 33312 | COMPBENEFITS COMPANY | $763 | — | $763 | 6.55% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | COMPBENEFITS COMPANY | $401 | — | $401 | 3.44% |
| RSC INSURANCE BROKERAGE INC3 | 2890 SR 84 SUITE 119 FORT LAUDERDALE, FL 33312 | COMPBENEFITS COMPANY | — | $83 | $83 | 0.71% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $544 | — | $544 | 9.14% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $348 | — | $348 | 5.85% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $298 | $298 | 5.01% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $298 | $298 | 5.01% |
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 | 470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA MEDICAL PLAN, INC. | 308 | $1.6M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 300 | $127K |
| Vision | HUMANA INSURANCE COMPANY | 346 | $22K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 503 | $45K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $69K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $65K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 54 | $241K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 503 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.