| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | HEALTH INSURANCE PLAN OF GREATER NEW YORK (HIP) | $157K | — | $157K | 3.61% |
| MEDLINK INC3 | PO BOX 23570 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $13K | $3K | $17K | 1.50% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | HEALTH INSURANCE PLAN OF GREATER NEW YORK (HIP) | $36K | — | $36K | 3.57% |
| EMERSON REID LLC3 | 1787 SENTRY PARKKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $48K | $8K | $56K | 8.46% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | HEALTH INSURANCE PLAN OF GREATER NEW YORK (HIP) | $22K | — | $22K | 3.85% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | HEALTH INSURANCE PLAN OF GREATER NEW YORK (HIP) | $13K | — | $13K | 3.85% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | HEALTH INSURANCE PLAN OF GREATER NEW YORK (HIP) | $9K | — | $9K | 3.85% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | HEALTH INSURANCE PLAN OF GREATER NEW YORK (HIP) | $9K | — | $9K | 3.55% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | HEALTH INSURANCE PLAN OF GREATER NEW YORK (HIP) | $6K | — | $6K | 3.40% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | — | SUN LIFE OF CANADA | $19K | — | $19K | 11.11% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | — | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 10.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR KRENZEL LETT INS GROUP LLC | PO BOX 627 3227 WINFIELD ROAD WINFIELD, WV 25213 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $2K | — | $2K | 3.23% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.88% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WHITMAN ROAD #310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 4.78% |
| INSURANCE BROKERAGE ALTERNATIVE3 Filed as: INSURANCE BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 02110 | OPTIMA ADVANTAGE POS M/C | $9K | — | $9K | 56.27% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $937 | — | $937 | 8.04% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PARKWAY WEST SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $568 | — | $568 | 4.88% |
| INSURANCE BROKERAGE ALTERNATIVE3 Filed as: INSURANCE BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 02110 | OPTIMA ADVANTAGE POS M/C | $16K | — | $16K | 160.24% |
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 | 738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(17 contracts, 4 carriers) | HEALTH INSURANCE PLAN OF GREATER NEW YORK (HIP) | 278 | $8.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 883 | $662K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 13 | $49K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 959 | $12K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 883 | $662K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE OF CANADA | 162 | $257K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 959 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 959 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.