| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | PO BOX 818078 CLEVELAND, OH 441810878 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $58K | $58K | 2.73% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 818078 CLEVELAND, OH 441818078 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 2.49% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC - BENEFITS NETWORK | 4555 LAKE FOREST DR STE 510 BLUE ASH, OH 452423732 | PRINCIPAL LIFE INSURANCE COMPANY | $26K | — | $26K | 6.36% |
| SELMAN & COMPANY, LLC3 | 1 INTEGRITY PKY CLEVELAND, OH 441431500 | PRINCIPAL LIFE INSURANCE COMPANY | — | $10K | $10K | 2.48% |
| ONE80 INTERMEDIARIES INC3 | AMS - LEGACY DIRECT BILL PO BOX 736061 CHICAGO, IL 606736061 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.35% |
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN ST STE 450 IRVINE, CA 926148274 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.82% |
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 | 264 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $2.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 603 | $402K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 603 | $402K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 603 | $402K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 603 | $402K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 603 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.