| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 2270 DOUGLAS BLVD STE 220 ROSEVILLE, CA 95661 | KAISER FOUNDATION HEALTH PLAN INC | $24K | $4K | $28K | 5.37% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | PRINCIPAL LIFE INSURANCE COMPANY | $31K | $0 | $31K | 6.28% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLDG 16 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 4.07% |
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN ST 450 IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $14K | $14K | 2.92% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 225 KENNETH DR ROCHESTER, NY 14623 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 2.26% |
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 | 336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 77 | $529K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 489 | $489K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 489 | $489K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 489 | $489K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 489 | $489K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 489 | $489K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 77 | $529K |
| Stop-loss / reinsurancereinsurance | KAISER FOUNDATION HEALTH PLAN INC | 77 | $529K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 489 | $489K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.