| 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 | $26K | $0 | $26K | 5.02% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 2270 DOUGLAS BLVD STE 220 ROSEVILLE, CA 95661 | KAISER FOUNDATION HEALTH PLAN | $8K | $0 | $8K | 5.05% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | PO BOX736061 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 9.58% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY RICHMOND HEIGHTS, OH 44143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | LOCKBOX, PO BOX 736061 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 17.34% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | ONE INTEGRITY PARKWAY RICHMOND HEIGHTS, OH 44143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 736061 CHICAGO, IL 60673 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 108.36% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY CLEVELAND, OH 44143 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 53.49% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLUE BELL, PA 60673 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 27.46% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 59 | $690K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 369 | $5K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 312 | $137K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 312 | $137K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 312 | $137K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 59 | $525K |
| Stop-loss / reinsurancereinsurance | KAISER FOUNDATION HEALTH PLAN INC | 59 | $525K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 369 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.