| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVENUE SAN RAFAEL, CA 94901 | PARTNERRE AMERICA INSURANCE COMPANY | $52K | $25K | $77K | 5.90% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44K | $44K | $88K | 9.99% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $69K | $24K | $93K | 20.08% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $18K | $18K | 5.12% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $49K | $10K | $59K | 18.01% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVENUE SAN RAFAEL, CA 94901 | VISION SERVICE PLAN | $5K | — | $5K | 1.90% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $9K | $9K | 5.41% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $15K | $0 | $15K | 11.11% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $6K | $13K | 10.02% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $6K | $10K | 7.68% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $0 | $22K | 29.73% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 990 FIFTH AVE SAN RAFAEL, CA 94901 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $4K | $4K | 5.60% |
| GARDNER KIRBY CORPORATION3 Filed as: GARDNER KIRBY CORP | PO BOX 2456 MERIDEN, CT 06450 | THE HARTFORD | $7K | $0 | $7K | 15.00% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.62% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.03% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 49.37% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 990 FIFTH AVE SAN RAFAEL, CA 94901 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $258 | $258 | 10.42% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 49.41% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 990 FIFTH AVE SAN RAFAEL, CA 94901 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $290 | $290 | 11.73% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $42 | $9 | $51 | 12.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 CLAIMS PROCESSOR | Non-monetary compensation; Contract Administrator; Float revenue; Claims processing; Named fiduciary; Direct payment from the plan; Participant communication; Other services Service code 12 | — | $1.8M |
| CRAFORD BENEFIT CONSULTANTS BROKER | Other commissions Service code 55 | — | $0 |
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 | 2,719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 215 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 332 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 168 | $833K |
| Vision | VISION SERVICE PLAN | 2,234 | $247K |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,762 | $1.1M |
| Short-term disability(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 736 | $666K |
| Long-term disability(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,187 | $786K |
| Stop-loss / reinsurancereinsurance | PARTNERRE AMERICA INSURANCE COMPANY | 2,800 | $1.3M |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,762 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,800 | — |
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.