| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $502 | $152K | $153K | 3.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $9K | $35K | 12.22% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | DELTA DENTAL OF NEW JERSEY, INC. | $7K | — | $7K | 2.49% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $713 | $8K | 9.91% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 11.58% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | DELTA DENTAL OF CONNECTICUT, INC | $1K | — | $1K | 4.14% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $870 | $4K | 11.61% |
| RSC INSURANCE BROKERAGE INC3 | 871 MOUNTAIN AVENUE SPRINGFIELD, NJ 07081 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $868 | — | $868 | 14.43% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RISK STRATEGIES COMPANY (RSC) | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $242 | $242 | 4.02% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $217 | $217 | 3.61% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $450 | $129 | $579 | 11.54% |
| RSC INSURANCE BROKERAGE INC3 | 871 MOUNTAIN AVENUE SPRINGFIELD, MA 07081 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $642 | — | $642 | 14.37% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RISK STRATEGIES COMPANY (RSC) | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $288 | $288 | 6.44% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $161 | $161 | 3.60% |
| RSC INSURANCE BROKERAGE INC3 | 871 MOUNTAIN AVENUE SPRINGFIELD, NJ 07081 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $545 | — | $545 | 13.43% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RISK STRATEGIES COMPANY (RSC) | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $322 | $322 | 7.94% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $136 | $136 | 3.35% |
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 | 611 | 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) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 349 | $5.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 989 | $5.4M |
| Vision | DELTA DENTAL OF CONNECTICUT, INC | 520 | $32K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 617 | $41K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 617 | $317K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 617 | $77K |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 617 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 989 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.