| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 7500 OLD GEORGETOWN ROAD SUITE 1225 BETHESDA, MD 20814 | HARTFORD LIFE AND ACCIDENT | $153K | $0 | $153K | 20.06% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, LLC | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | HARTFORD LIFE AND ACCIDENT | $78K | $0 | $78K | 10.15% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 0.60% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3500 NORTH CAUSEWAY BOULEVARD SUITE 1442 METAIRIE, LA 70002 | COMPANION LIFE INSURANCE COMPANY | $50K | $0 | $50K | 8.60% |
| ROBERT J. MINEO INSURANCE, LLC3 | 7322 DONALDSON DRIVE GONZALES, LA 70737 | COMPANION LIFE INSURANCE COMPANY | $8K | $0 | $8K | 1.43% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $2K | $13K | 22.82% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC.-LA | 3300 WEST ESPLANADE AVENUE SOUTH SUITE 205 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $3K | $4K | 6.69% |
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 | 598 | 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) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NATIONWIDE-SBR SERVICES | 608 | $1.2M |
| Dental | COMPANION LIFE INSURANCE COMPANY | 560 | $586K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 427 | $56K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 598 | $764K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 598 | $764K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 598 | $764K |
| Prescription drug(2 contracts, 2 carriers) | NATIONWIDE-SBR SERVICES | 608 | $1.2M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | NATIONWIDE-SBR SERVICES | 608 | $1.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 598 | $764K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.