| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET-FL 4 BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $230K | $268K | 3.97% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET-4TH FL BOSTON, MA 02110 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $63K | — | $63K | 13.49% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $209 | $209 | 0.04% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | HEARTLAND | $10K | — | $10K | 10.18% |
| RUEBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | AXIS INSURANCE COMPANY | — | $950 | $950 | 20.00% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, STE 3400 CHICAGO, IL 60661 | AXIS INSURANCE COMPANY | $713 | — | $713 | 15.01% |
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 | 890 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 39 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 942 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,349 | $6.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,349 | $6.7M |
| Vision | HEARTLAND | 963 | $95K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 890 | $465K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 890 | $465K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 890 | $465K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,349 | $6.7M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 890 | $469K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,349 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.