| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1350 AVENUE OF AMERICAS 18TH AND 19TH FLOORS NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31K | $0 | $31K | 10.90% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN AND COMPANY, LLC | 6110 PARKLAND BOULEVARD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $5K | $5K | 1.82% |
| RISK STRATEGIES COMPANY3 | 12801 NORTH CENTRAL EXPRESSWAY SUITE 1710 DALLAS, TX 75243 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | $0 | $42K | 34.33% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $0 | $12K | 9.88% |
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 | 426 | 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) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 655 | $123K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 655 | $123K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 426 | $283K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 426 | $283K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 426 | $283K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 655 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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.