| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 3525 NORTH CAUSEWAY BLVD STE 815 METARIE, LA 70002 | STANDARD INSURANCE COMPANY | $27K | — | $27K | 6.06% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 021101700 | RELIASTAR LIFE INSURANCE COMPANY | $43K | — | $43K | 15.00% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 Filed as: AMES-GRENZ INSURANCE SERVICES INC. | 3435 AMERICAN RIVER DR STE C SACRAMENTO, CA 958645797 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 3.00% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY CLEVELAND, OH 44143 | RELIASTAR LIFE INSURANCE COMPANY | — | $6K | $6K | 2.00% |
| MASSMARK INC3 | 85 WHITE BRIDGE RD STE 301 NASHVILLE, TN 37205 | RELIASTAR LIFE INSURANCE COMPANY | — | $5K | $5K | 1.75% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 021101700 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 16.81% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 Filed as: AMES-GRENZ INSURANCE SERVICES INC. | 3435 AMERICAN RIVER DR STE C SACRAMENTO, CA 958645797 | RELIASTAR LIFE INSURANCE COMPANY | $232 | — | $232 | 3.37% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY CLEVELAND, OH 441431500 | RELIASTAR LIFE INSURANCE COMPANY | — | $154 | $154 | 2.24% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL ST BOSTON, MA 021101700 | RELIASTAR LIFE INSURANCE COMPANY | $372 | — | $372 | 11.24% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 Filed as: AMES-GRENZ INSURANCE SERVICES INC. | 3435 AMERICAN RIVER DR STE C SACRAMENTO, CA 958645797 | RELIASTAR LIFE INSURANCE COMPANY | $74 | — | $74 | 2.23% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY CLEVELAND, OH 441431500 | RELIASTAR LIFE INSURANCE COMPANY | — | $50 | $50 | 1.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REDDEN GROUP LLC SERVICE PROVIDER | Other fees Service code 99 | 1775 W STATE ST #225 BOISE, ID 83702 | $62K |
| ADAPT MANAGEMENT CONTRACTOR | Contract Administrator Service code 13 | 1775 W STATE ST #225 BOISE, ID 83702 | $57K |
| CHARLES SCHWAB EIN 94-1737782 INVESTMENT ADVISORY | Investment advisory (plan) Service code 27 | 3000 SCHWAB WAY WESTLAKE, TX 76262 | $55K |
| TOWNSQUARE MEDIA SERVICE PROVIDER | Other fees Service code 99 | 827 E. PARK BLVD SUITE 100 BOISE, ID 83712 | $34K |
| CLIFTON LARSON ALLEN LLP EIN 41-0746749 AUDITOR | Accounting (including auditing) Service code 10 | 915 HIGHLAND POINTE DR STE 300 ROSEVILLE, CA 95678 | $26K |
| SCRIPPS MEDIA, INC. SERVICE PROVIDER | Other fees Service code 99 | P.O. BOX 856821 MINNEAPOLIS, MN 554856821 | $22K |
| CARLY BAKER EMPLOYEE | Other fees Service code 99 | 11237 PIONEER AVE OAKDALE, CA 95361 | $9K |
| LOVE IT MANAGED LLC SERVICE PROVIDER | Other fees Service code 99 | 3920 E SHADY GLEN CT BOISE, ID 83706 | $8K |
| FIRE DISTRICTS ASSOCIATION OF CA SERVICE PROVIDER | Other fees Service code 99 | 808 R ST STE 209 SACRAMENTO, CA 95811 | $7K |
| MONTEMAYOR BRITTON BENDER BOOKKEEPER | Accounting (including auditing) Service code 10 | 2110 BOCA RATON DR BLDG B STE 102 AUSTIN, TX 78747 | $6K |
| NATIONAL VOLUNTEER FIRE COUNCIL SERVICE PROVIDER | Other fees Service code 99 | 712 H STREET NORTHEAST STE 1478 WASHINGTON, DC 20002 | $6K |
| KURT CHUN TRUSTEE | Trustee (individual) Service code 20 | 307 MELROSE AVENUE MILL VALLEY, CA 94941 | $6K |
| JUSTIN WHITE TRUSTEE | Trustee (individual) Service code 20 | 408 SONOMA AVE CHOWCHILLA, CA 93610 | $5K |
| JOHN HA TRUSTEE | Trustee (individual) Service code 20 | 755 BLUEBIRD DRIVE VACAVILLE, CA 95687 | $3K |
| STEPHEN WILSON TRUSTEE | Trustee (individual) Service code 20 | 2591 W ORANGE AVE EL CENTRO, CA 92243 | $3K |
| VERN LOSH TRUSTEE | Trustee (individual) Service code 20 | 3003 E 4505 S HOLLADAY, UT 84117 | $3K |
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 | 2,345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,858 | $286K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,345 | $450K |
| Other(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 46 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,345 | — |
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.