| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN B GREENBAUM3 Filed as: JOHN BARTON GREENBAUM | 160 FEDERAL STREET-FL 4 BOSTON, MA 02110 | HIGHMARK INC. | $51K | — | $51K | 3.84% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 100 PINEWOOD LANE - SUITE 301 WARRENDALE, PA 15086 | HIGHMARK INC. | $12K | — | $12K | 0.91% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 12.35% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY,C/O GENERAL AGENCY CLEVELAND, OH 44143 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.47% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET, FL 4 BOSTON, MA 02110 | DELTA DENTAL OF PENNSYLVANIA | $7K | — | $7K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, FL 4 BOSTON, MA 02110 | HEARTLAND | $2K | — | $2K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET-FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $812 | — | $812 | 10.09% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY | 1 INTEGRITY PKWY C/O GENERAL AGENCY CLEVELAND, OH 44143 | METROPOLITAN LIFE INSURANCE COMPANY | $244 | — | $244 | 3.03% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $747 | — | $747 | 10.01% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY C/O GENERAL AGENCY CLEVELAND, OH 44143 | METROPOLITAN LIFE INSURANCE COMPANY | $224 | — | $224 | 3.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET-FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $560 | — | $560 | 9.99% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY C/O GENERAL AGENCY CLEVELAND, OH 44143 | METROPOLITAN LIFE INSURANCE COMPANY | $168 | — | $168 | 3.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | METLIFE LEGAL PLANS | $332 | — | $332 | 15.00% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY, C/O GENERAL AGCY CLEVELAND, OH 44143 | METLIFE LEGAL PLANS | — | $34 | $34 | 1.54% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 187 | $1.3M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 208 | $66K |
| Vision | HEARTLAND | 197 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 168 | $79K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 168 | $79K |
| Prescription drug | HIGHMARK INC. | 187 | $1.3M |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 168 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
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.