| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 2270 DOUGLAS BLVD, STE 220 ROSEVILLE, CA 95661 | KAISER FOUNDATION HEALTH PLAN, INC. | $15K | — | $15K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE CTR II-STE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $12K | $12K | $24K | 9.90% |
| USI INSURANCE SERVICES LLC3 | ENTERPRISE LICENSING CENTER SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | — | $13K | $13K | 5.29% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W - VEVA 16 SUITE 320 BLUE BELL, PA 19422 | GUARDIAN INSURANCE COMPANY | $17K | — | $17K | 8.22% |
| RSC INSURANCE BROKERAGE INC3 | 2270 DOUGLAS BLVD., STE 220 ROSEVILLE, CA 95661 | KAISER FOUNDATION HEALTH PLAN | $3K | — | $3K | 5.05% |
| ALAN ROMAN4 Filed as: ALAN H ROMAN | 7220 PRINCETON AVE SAINT LOUIS, MO 63130 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $665 | — | $665 | 12.01% |
| LOUANN SUTTON4 | 11322 TAYLOR OAKS CT BRIDGETON, MO 63044 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $241 | — | $241 | 4.35% |
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 | 502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 37 | $360K |
| Dental | GUARDIAN INSURANCE COMPANY | 398 | $209K |
| Vision | GUARDIAN INSURANCE COMPANY | 398 | $209K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 502 | $244K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 502 | $244K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 502 | $244K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 502 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.