| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $70K | — | $70K | 9.99% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 970069 BOSTON, MA 02297 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | — | $29K | 12.51% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $961 | $7K | $8K | 3.43% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 02110 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $8K | — | $8K | 4.65% |
| 9RSC INSURANCE BROKERAGE INC3 | PO BOX 970069 BOSTON, MA 02297 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 8.27% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $691 | $5K | $6K | 3.40% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | PO BOX 970069 BOSTON, MA 02297 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 7.55% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $608 | $5K | $5K | 5.17% |
| ELIZABETH H FINCHER4 | PO BOX 1382 ROSWELL, GA 300771382 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $7K | — | $7K | 20.47% |
| RSC INSURANCE BROKERAGE INC4 Filed as: RSC INS BROKERAGE INC DBA RISK STRA | 160 FEDERAL ST FL 4 BOSTON, MA 021101700 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $843 | — | $843 | 2.30% |
| THELMA JEAN CITTA4 | PO BOX 4353 CHERRY HILL, NJ 080340661 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $32 | — | $32 | 0.09% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 3.68% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 970069 BOSTON, MA 02297 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 11.07% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | ONE INTEGRITY PARKWAY CLEVELAND, OH 44143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $172 | — | $172 | 0.53% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $376 | $376 | 2.38% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | PO BOX 970069 BOSTON, MA 02297 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $511 | — | $511 | 8.35% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25 | $180 | $205 | 3.35% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 970069 BOSTON, MA 02297 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $225 | — | $225 | 8.36% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11 | $79 | $90 | 3.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC EIN 36-3086057 TPA | Claims processing Service code 12 | — | $410K |
| RSC INSURANCE BROKERAGE EIN 16-1689464 BROKER | Insurance agents and brokers Service code 22 | — | $285K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 PPO | Claims processing Service code 12 | — | $178K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 UTILIZATION REVIEW | Claims processing Service code 12 | — | $13K |
| MARQUEE HEALTH LLC EIN 46-5472798 WELLNESS | Claims processing Service code 12 | — | $13K |
| CURALINC EIN 33-1206383 EAP | Claims processing Service code 12 | — | $11K |
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 | 880 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 880 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 27 | $215K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 956 | $705K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 956 | $705K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 301 | $6K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 346 | $276K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 331 | $177K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 880 | $592K |
| Other(8 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 880 | $694K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 956 | — |
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.
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.