| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | CALIFORNIA PHYSICIANS SERVICE | — | $58K | $58K | 5.17% |
| RSC INSURANCE BROKERAGE INC3 | 2270 DOUGLAS BLVD, STE 220 ROSEVILLE, CA 95661 | KAISER FOUNDATION HEALTH PLAN INC | $23K | — | $23K | 5.38% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET - 2ND FLOOR BOSTON, MA 02110 | DELTA DENTAL OF CALIFORNIA | $7K | — | $7K | 7.90% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET - 2ND FLOOR BOSTON, MA 02110 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 30.73% |
| WATCH TOWER TECHNOLOGIES INC3 Filed as: WATCH TOWER TECHNOLOGIES, INC. | 227 W MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.34% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $43 | $43 | 0.05% |
| RSC INSURANCE BROKERAGE INC3 | 2270 DOUGLAS BLVD, STE 220 ROSEVILLE, CA 95661 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 5.60% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | AMERITAS LIFE INSURANCE CORP | $1K | — | $1K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | DELTA DENTAL OF CALIFORNIA | $481 | — | $481 | 7.87% |
| RSC INSURANCE BROKERAGE INC3 | 750 3RD AVE-STE 1500 NEW YORK, NY 10017 | METROPOLITAN GENERAL INSURANCE COMPANY | $26 | — | $26 | 10.12% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LTD | 11740 SW 68TH PARKWAY-STE 200 PORTLAND, OR 97223 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $2 | $2 | 0.78% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 111 | $1.6M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 138 | $100K |
| Vision | AMERITAS LIFE INSURANCE CORP | 220 | $14K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 190 | $92K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 190 | $92K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 111 | $1.1M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 190 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.