| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $147K | $0 | $147K | 51.64% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 10.16% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $3K | $26K | 17.18% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | UNUM INSURANCE COMPANY | $3K | $551 | $4K | 13.88% |
| LBMC EMPLOYMENT PARTNERS3 Filed as: LBMC EMPLOYMENT PARTNERS SERVICES | 5250 VIRGINIA WAY BRENTWOOD, TN 37027 | UNUM INSURANCE COMPANY | $432 | $9 | $441 | 1.71% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 181 | $286K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $181K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $181K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $154K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $154K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $154K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 181 | $286K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.