| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $84K | — | $84K | 9.90% |
| RSC INSURANCE BROKERAGE INC3 | 1350 AVENUE OF THE AMERICAS-18, 19 NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | — | $47K | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16, STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$347 | $24K | $23K | 5.00% |
| 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 | $35K | — | $35K | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16, STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $18K | $18K | 5.00% |
| 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 | $24K | — | $24K | 10.00% |
| 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 | -$31 | $12K | $12K | 5.00% |
| KRAUTER & COMPANY, LLC3 | 28240 HARDY TOLL RD-#140 SPRING, TX 77373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $183 | $13K | 15.22% |
| KRAUTER & COMPANY, LLC3 | 28240 HARDY TOLL RD - #140 SPRING, TX 77373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $181 | $10K | 15.27% |
| KRAUTER & COMPANY, LLC3 | 28240 HARDY TOLL RD- #140 SPRING, TX 77373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $204 | $10K | 15.31% |
| 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 | $3K | — | $3K | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16, SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
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 | 2,775 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,796 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,145 | $846K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,145 | $846K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,775 | $236K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,315 | $533K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,775 | $355K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,775 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,775 | — |
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.