| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | UNKNOWN WESTCHESTER, IL 60154 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $2K | $2K | 0.03% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | UNKNOWN WESTCHESTER, IL 60154 | DELTA DENTAL OF ILLINOIS | $11K | $0 | $11K | 3.53% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $11K | $2K | $14K | 6.08% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 2909 POLO PARKWAY, SUITE 100 MIDLOTHIAN, VA 23113 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.09% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 736061 CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 9.45% |
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 | 483 | 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) | 483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 864 | $5.2M |
| Dental | DELTA DENTAL OF ILLINOIS | 414 | $323K |
| Vision | VISION SERVICE PLAN | 417 | $68K |
| Life insurance | STANDARD INSURANCE COMPANY | 483 | $227K |
| Short-term disability | STANDARD INSURANCE COMPANY | 483 | $227K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 483 | $316K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 864 | $5.2M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 483 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 864 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.