| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $103K | $0 | $103K | 5.85% |
| TREVOR K. KEBODEAUX3 Filed as: TREVOR K KEBODEAUX | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | ATTN MONICA | $86K | $0 | $86K | 45.32% |
| RSC INSURANCE BROKERAGE INC3 | 1745 NORTH BROWN RD STE 250 LAWRENCEVILLE, GA 30043 | ATTN MONICA | $64K | $0 | $64K | 33.80% |
| ERNEST J. GIUSTI III3 Filed as: ERNEST J GIUSTI | 4828 FOLSE DR METAIRE, LA 70006 | ATTN MONICA | $55K | $0 | $55K | 29.14% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 6.88% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 6.12% |
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) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 190 | $1.8M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 167 | $130K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 167 | $130K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 167 | $130K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 167 | $130K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 167 | $130K |
| Other(2 contracts, 2 carriers) | ATTN MONICA | 167 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.