| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | — | EMBLEMHEALTH SERVICES COMPANY, LLC | $95K | — | $95K | 4.02% |
| MEDLINK INC3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $12K | — | $12K | 1.13% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | — | EMBLEMHEALTH SERVICES COMPANY, LLC | $34K | — | $34K | 3.85% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | — | EMBLEMHEALTH SERVICES COMPANY, LLC | $21K | — | $21K | 3.85% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | — | EMBLEMHEALTH SERVICES COMPANY, LLC | $16K | — | $16K | 3.83% |
| EMERSON REID LLC3 | 167 ARCHER ROAD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $4K | $30K | 8.14% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | — | EMBLEMHEALTH SERVICES COMPANY, LLC | $14K | — | $14K | 3.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | — | EMBLEMHEALTH SERVICES COMPANY, LLC | $10K | — | $10K | 3.85% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | — | EMBLEMHEALTH SERVICES COMPANY, LLC | $8K | — | $8K | 3.85% |
| RSC INSURANCE BROKERAGE INC3 | — | AETNA LIFE INSURANCE COMPANY | $22K | — | $22K | 11.11% |
| EMERSON REID LLC3 | 167 ARCHER ROAD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $10K | $25K | 19.62% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | HEALTHKEEPERS, INC. | $3K | — | $3K | 3.07% |
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST STREET WINCHESTER, VA 22601 | HEALTHKEEPERS, INC. | $600 | — | $600 | 0.65% |
| ARTHUR KRENZEL LETT INSURANCE GROUP3 | PO BOX 627 3327 WINFIELD ROAD WINFIELD, WV 25213 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $3K | — | $3K | 3.44% |
| EMERSON REID LLC3 | 167 ARCHER ROAD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.38% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 6.10% |
| RISK STRATEGIES COMPANY3 Filed as: TSG FINANCIAL-RISK-STRATEGIES | 900 STEWART AVENUE SUITE 505 GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 3.32% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $606 | $4K | 6.45% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $365 | $4K | 6.33% |
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST STREET WINCHESTER, VA 22601 | HEALTHKEEPERS, INC. | $400 | — | $400 | 3.31% |
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 | 761 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 4 carriers) | EMBLEMHEALTH SERVICES COMPANY, LLC | 208 | $6.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 818 | $364K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 979 | $56K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 817 | $56K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 883 | $193K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 172 | $200K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 817 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 979 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.