| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1350 AVENUE OF THE AMERICAS-18, 19 NEW YORK, NY 10019 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $402K | — | $402K | 4.54% |
| RSC INSURANCE BROKERAGE INC3 | 1350 AVENUE OF THE AMERICAS-18, 19 NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $71K | — | $71K | 22.40% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16, STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13K | $13K | 4.19% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1350 AVENUE OF THE AMERICAS-18,19 NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53K | — | $53K | 22.73% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16, STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10K | $10K | 4.16% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 1350 AVENUE OF THE AMERICAS-18, 19 NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | — | $35K | 22.76% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PKWY W VEVA BLDG 16, STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 4.07% |
| KRAUTER & COMPANY, LLC3 | 28240 HARDY TOLL RD-#140 SPRING, TX 77373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| 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% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1350 AVENUE OF THE AMERICAS-18, 19 NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 22.77% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16, SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $734 | $734 | 4.10% |
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 | 1,925 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,650 | $8.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,650 | $8.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,650 | $8.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,925 | $152K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,492 | $353K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,925 | $234K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,650 | $8.8M |
| Other(5 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,925 | $9.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,925 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.