| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | BLUECROSS BLUE SHIELD OF TEXAS | $50K | $1K | $51K | 5.04% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | DEARBORN LIFE INSURANCE COMPANY | $10K | $3K | $13K | 13.15% |
| RSC INSURANCE BROKERAGE INC3 | 150 MOTOR PKWY HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 25.51% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $527 | $0 | $527 | 3.96% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $480 | $480 | 3.60% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY C/O GENERAL AGENCY CLEVELAND, OH 44143 | METROPOLITAN LIFE INSURANCE COMPANY | $195 | $0 | $195 | 1.46% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $105 | $105 | 0.79% |
| RSC INSURANCE BROKERAGE INC3 | 150 MOTOR PKWY HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 23.50% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $362 | $0 | $362 | 3.46% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $232 | $232 | 2.22% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY C/O GENERAL AGENCY CLEVELAND, OH 44143 | METROPOLITAN LIFE INSURANCE COMPANY | $155 | $0 | $155 | 1.48% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $71 | $71 | 0.68% |
| RSC INSURANCE BROKERAGE INC3 | 150 MOTOR PKWY HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 24.84% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $307 | $0 | $307 | 3.85% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $198 | $198 | 2.48% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY C/O GENERAL AGENCY CLEVELAND, OH 44143 | METROPOLITAN LIFE INSURANCE COMPANY | $116 | $0 | $116 | 1.46% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $60 | $60 | 0.75% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUECROSS BLUE SHIELD OF TEXAS | 194 | $1.0M |
| Dental | BLUECROSS BLUE SHIELD OF TEXAS | 194 | $1.0M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 197 | $101K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 197 | $101K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 197 | $101K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 197 | $101K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 197 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.