| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER | 16-1689464 160 FEDERAL ST., 4TH FLOOR BOSTON, MA 02110 | WELLPOINT STOP LOSS | — | $179K | $179K | 5.00% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER CHARLES FEAZEL | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $72K | — | $72K | 14.57% |
| RYAN BENEFITS INC3 Filed as: RYAN TAVARES | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 1.75% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 1.22% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.37% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.35% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.02% |
| JEFFREY D HARNED3 Filed as: JEFFREY STEPHEN BLOCKER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.01% |
| WEX INC3 Filed as: WEX INC. | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID SCOTT HALLETT | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.00% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER CHARLES FEAZEL | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC - NEW YORK, NY | 1787 SENTRY PKWY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | EYEMED VISION CARE | $9K | — | $9K | 2.18% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | — | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $119K | — | $119K | 29.46% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | — | METLIFE LEGAL PLANS | $11K | — | $11K | 10.64% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | — | METLIFE LEGAL PLANS | — | $646 | $646 | 0.63% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | — | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 12.87% |
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 | 5,040 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,085 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 59 | $538K |
| Vision | EYEMED VISION CARE | 7,540 | $415K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,075 | $405K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,815 | $1.1M |
| Stop-loss / reinsurancereinsurance | WELLPOINT STOP LOSS | 3,715 | $3.6M |
| Other(9 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,075 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,540 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.