| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST-FL 4 BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $290K | $1 | $290K | 4.05% |
| KRAUTER AND COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS -18 FL NEW YORK, NY 10019 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $53K | — | $53K | 0.73% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BKGE DBA RISK STRATEGIES | 160 FEDERAL ST BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $45K | $12K | $56K | 3.17% |
| RSC INSURANCE BROKERAGE INC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 9.96% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 9.87% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | SELECTHEALTH | $5K | — | $5K | 5.34% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | SELECTHEALTH | $1K | — | $1K | 1.39% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | HEALTHKEEPERS, INC. | $2K | — | $2K | 3.50% |
| THE MEDICAL SOCIETY OF VA3 | 2924 EMERYWOOD PARKWAY-SUITE 300 RICHMOND, VA 23294 | HEALTHKEEPERS, INC. | $140 | — | $140 | 0.23% |
| KRAUTER & COMPANY, LLC3 | 28240 HARDY TOLL RD- #140 SPRING, TX 77373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $673 | $5K | 11.90% |
| KRAUTER & COMPANY, LLC3 | 28240 HARDY TOLL RD-#140 SPRING, TX 77373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| KRAUTER & COMPANY, LLC3 | 28240 HARDY TOLL RD - #140 SPRING, TX 77373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $587 | $3K | 10.79% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $168 | $2K | 16.10% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.16% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $238 | $1K | 12.02% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $926 | $73 | $999 | 10.79% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERCIAS NEW YORK, NY 10019 | COMPANION LIFE INSURANCE COMPANY | $754 | — | $754 | 11.53% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $327 | $46 | $373 | 11.40% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | OPTICARE VISION SERVICES | $62 | — | $62 | 6.44% |
| LAKESIDE INSURANCE3 | 1225 JESSI'S MEADOW WAY WEST BOUNTIFUL, UT 84087 | OPTICARE VISION SERVICES | $48 | — | $48 | 4.99% |
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 | 1,621 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,254 | $9.9M |
| Dental(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,254 | $9.2M |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,254 | $7.2M |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,621 | $166K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,137 | $268K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,621 | $218K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,254 | $8.0M |
| Other(10 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,621 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,621 | — |
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.