| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $305K | $305K | 3.50% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $174K | $174K | 2.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 80 WEST CENTURY ROAD SUITE 301 PARAMUS, NJ 07652 | SUN LIFE ASSURANCE COMPANY OF CANADA | $97K | $0 | $97K | 8.73% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $56K | $0 | $56K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER, INC | 160 FEDERAL ST FLORR 4 BOSTON, MA 02110 | DELTA DENTAL OF CONNECTICUT | $41K | $0 | $41K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | DELTA DENTAL OF CONNECTICUT | $20K | $0 | $20K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER, INC | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | VSP | $8K | $0 | $8K | 7.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 12.13% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $2K | $5K | 8.17% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CTR STE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $4K | $62 | $4K | 9.43% |
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 | 1,078 | 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) | 1,078 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 916 | $8.7M |
| Dental | DELTA DENTAL OF CONNECTICUT | 622 | $410K |
| Vision | VSP | 578 | $106K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,078 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,078 | $1.2M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,078 | $1.1M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,078 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,078 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.