| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | UNKNOWN NEW YORK, NY 10019 | DELTA DENTAL OF MISSOURI | $21K | $0 | $21K | 5.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DELTA DENTAL OF MISSOURI | $10K | $0 | $10K | 2.74% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 1350 AVENUE OF THE AMERICAS 18TH FLOOR BOSTON, MA 10019 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 1.80% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $97 | $972 | $1K | 0.45% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 02110 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $746 | $0 | $746 | 0.74% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | PO BOX 970069 BOSTON, MA 02297 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.34% |
| KRAUTER AND COMPANY, LLC3 Filed as: KRAUTER AND COMPANY | 1350 AVENUE OF THE AMERICA 18TH FLOOR NEW YORK, NY 10019 | VISION SERVICE PLAN | $429 | $0 | $429 | 0.48% |
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 | 515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 985 | $362K |
| Vision | VISION SERVICE PLAN | 444 | $89K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 522 | $239K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 381 | $101K |
| Other | HARTFORD LIFE AND ACCIDENT | 522 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 985 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.