| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 818078 CLEVELAND, OH 44181 | COMPANION LIFE INSURANCE COMPANY | $173K | $0 | $173K | 22.31% |
| ROBERT J. MINEO INSURANCE, LLC3 | 7322 DONALDSON DRIVE GONZALES, LA 70737 | COMPANION LIFE INSURANCE COMPANY | $17K | $0 | $17K | 2.24% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, LLC | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $119K | $0 | $119K | 32.88% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET BOSTON, MA 02110 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $89K | $0 | $89K | 24.61% |
| RIEHM BENEFITS LLC3 Filed as: RIEHM BENEFITS, LLC | 1 ZION STREET KENNER, LA 70065 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $32K | $0 | $32K | 8.92% |
| RISK STRATEGIES COMPANY3 | 1824 SPIRIT OF TEXAS WAY, SUITE 200 CONROE, TX 77301 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $14K | $0 | $14K | 18.32% |
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 | 639 | 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) | 639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 639 | $773K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,053 | $78K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 639 | $1.1M |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 639 | $773K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 639 | $773K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 639 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,053 | — |
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.