| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 7855 SW 104TH STREET, SUITE 100 MIAMI, FL 33156 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $220K | $4 | $220K | 8.90% |
| JOSEPH JACOBY3 | 7855 SW 104TH STREE, SUITE 240 MIAMI, FL 33156 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$180K | -$6K | -$186K | -7.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | 2850 GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 5TH FLOOR ROLLING MEADOWNS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 12.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | 2850 GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1200 SW 145TH AVE #104A PEMBROKE PINES, FL 33027 | SYMETRA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 7855 SW 104TH STREET, SUITE 100 MIAMI, FL 33156 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 7855 SW 104TH STREET, SUITE 100 MIAMI, FL 33156 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $7K | $0 | $7K | 30.66% |
| JOSEPH JACOBY3 | 7855 SW 104TH STREET, SUITE 240 MIAMI, FL 33156 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | -$4K | $0 | -$4K | -18.28% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 7855 SW 104TH STREET, SUITE 100 MIAMI, FL 33156 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $110 | $0 | $110 | 9.98% |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 403 | $2.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 403 | $2.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 288 | $26K |
| Long-term disability(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 286 | $286K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 403 | $2.5M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 403 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.