| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | — | BLUECROSS BLUE SHIELD OF TEXAS | $48K | $0 | $48K | 5.14% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | DEARBORN LIFE INSURANCE COMPANY | $11K | $5K | $16K | 16.65% |
| RSC INSURANCE BROKERAGE INC3 | 150 MOTOR PKWY HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.28% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $362 | $1K | 7.34% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $393 | $393 | 2.07% |
| RSC INSURANCE BROKERAGE INC3 | 150 MOTOR PKWY HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.94% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $476 | $167 | $643 | 7.41% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $188 | $188 | 2.17% |
| RSC INSURANCE BROKERAGE INC3 | 150 MOTOR PKWY HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.24% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $389 | $136 | $525 | 7.23% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $140 | $140 | 1.93% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF TEXAS | 157 | $939K |
| Dental | BLUECROSS BLUE SHIELD OF TEXAS | 157 | $939K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 193 | $96K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 193 | $96K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 193 | $96K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 193 | $96K |
| Other(4 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 193 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.