| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | HUMANA MEDICAL PLAN, INC. | $39K | $6K | $45K | 2.22% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | HUMANA MEDICAL PLAN, INC. | $20K | $3K | $24K | 2.56% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | HUMANA INSURANCE COMPANY | $16K | — | $16K | 9.96% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 8.48% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 9.05% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 9.18% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 9.96% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $971 | — | $971 | 5.91% |
| VOLUNTARY INS GROUP INC3 | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $971 | — | $971 | 5.91% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | COMPBENEFITS COMPANY | $2K | — | $2K | 9.97% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $714 | $714 | 8.95% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $399 | $399 | 5.00% |
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 | 371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA MEDICAL PLAN, INC. | 236 | $2.9M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 317 | $181K |
| Vision | HUMANA INSURANCE COMPANY | 392 | $33K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 640 | $57K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $92K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $99K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 162 | $928K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 640 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.