| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $84K | $25K | $109K | 19.37% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $3K | $17K | 5.65% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 4.11% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | GUARDIAN INSURANCE | $31K | $7K | $39K | 14.61% |
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN STREET STE 450 IRVINE, CA 92614 | GUARDIAN INSURANCE | $8K | $0 | $8K | 2.95% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN CO | ONE INTEGRITY PARKWAY CLEVELAND, OH 44143 | GUARDIAN INSURANCE | $4K | $0 | $4K | 1.32% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. DBA | 160 FEDERAL STREET BOSTON, MA 02110 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $7K | $0 | $7K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $295 | $5K | 24.37% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $245 | $1K | 7.92% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $192 | $4K | 22.02% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $947 | $185 | $1K | 6.98% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | METLIFE LEGAL PLANS | $941 | $98 | $1K | 12.23% |
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 | 452 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 688 | $295K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 524 | $50K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 688 | $295K |
| Short-term disability | GUARDIAN INSURANCE | 451 | $266K |
| Long-term disability | GUARDIAN INSURANCE | 451 | $266K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 373 | $563K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 688 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 688 | — |
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.