| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCRETIVE WHOLESALE INSURANCE SERVI3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KY, INC. | $14K | — | $14K | 1.29% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | EMBLEM HEALTH | $20K | — | $20K | 3.85% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | SENTARA ADVANTAGE POS M/C | $14K | — | $14K | 2.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR KRENZEL LETT INS GROUP LLC | PO BOX 627 3327 WINFIELD ROAD WINFIELD, WV 25213 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $6K | — | $6K | 1.46% |
| KRENZEL, CRAIG JOSEPH3 | 10174 JEROME ROAD DUBLIN, OH 43017 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $6K | — | $6K | 1.46% |
| INSURANCE BROKERAGE ALTERNATIVE3 Filed as: INSURANCE BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 02110 | SENTARA ADVANTAGE POS/MC | $11K | — | $11K | 3.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $9K | $31K | 10.42% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | EMBLEM HEALTH | $10K | — | $10K | 3.85% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | — | SUN LIFE OF CANADA | $20K | — | $20K | 11.08% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | EMBLEM HEALTH | $7K | — | $7K | 3.85% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | EMBLEM HEALTH | $2K | — | $2K | 3.85% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | EMBLEM HEALTH | $2K | — | $2K | 3.85% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 7.78% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $417 | $2K | 6.56% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.85% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 669 RIVER DRIVE CENTER II #305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 7.37% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NJ NY | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $979 | — | $979 | 5.05% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | EMBLEM HEALTH | $322 | — | $322 | 3.41% |
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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 5 carriers) | ANTHEM HEALTH PLANS OF KY, INC. | 41 | $3.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 315 | $302K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 421 | $19K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $27K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 315 | $302K |
| Stop-loss / reinsurancereinsurance | SUN LIFE OF CANADA | 33 | $182K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 367 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.