| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $0 | $9K | 9.14% |
| 19 21 CONSULTANTS CO., LLC3 Filed as: 1921 CONSULTANTS COMPANY, LLC | 568 SOUTH BUSINESS IH 35 NEW BRAUNFELS, TX 78130 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $773 | $0 | $773 | 0.76% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER. INC. | 750 THIRD AVENUE, 15TH FLOOR NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $652 | $652 | 0.64% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1330 LAKE ROBBINS DRIVE, SUITE 405 THE WOODLANDS, TX 77380 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.70% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.15% |
| SELMAN & COMPANY, LLC3 | 1 INTEGRITY PARKWAY CLEVELAND, OH 44143 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.08% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $573 | $573 | 0.97% |
| 19 21 CONSULTANTS CO., LLC3 Filed as: 1921 CONSULTANTS COMPANY, LLC | 568 SOUTH BUSINESS IH 35 NEW BRAUNFELS, TX 78130 | PRINCIPAL LIFE INSURANCE COMPANY | $485 | $0 | $485 | 0.82% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $2K | $281 | $2K | 13.13% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE CENTER II, SUITE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $0 | $947 | $947 | 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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 119 | $102K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 119 | $102K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 184 | $19K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 42 | $59K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 42 | $59K |
| Other | HARTFORD LIFE AND ACCIDENT | 184 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.