| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 4TH FLOOR 160 FEDERAL STREET BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $202K | -$87K | $115K | 7.97% |
| EBENCONCEPTS COMPANY3 | 3150 NORTH ELM STE 201 GREENSBORO, NC 27408 | DELTA DENTAL OF NORTH CAROLINA | $50K | — | $50K | 10.11% |
| CENTERED INSURANCE SOLUTIONS, INC.3 Filed as: CENTERED INSURANCE SOLUTIONS INC | 1100 FLYNN RD UNIT 102 CAMARILLO, CA 93012 | KAISER FOUNDATION HEALTH PLAN INC | $15K | — | $15K | 5.34% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES I | 32440 AGOURA RD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 1.71% |
| RSC INSURANCE BROKERAGE INC3 | 4TH FLOOR 160 FEDERAL STREET BOSTON, MA 02110 | UNUM INSURANCE COMPANY | $17K | -$7K | $11K | 9.23% |
| RSC INSURANCE BROKERAGE INC3 | 3150 NORTH ELM STE 201 GREENSBORO, NC 27408 | STARMOUNT LIFE INSURANCE COMPANY | -$15 | -$10K | -$10K | -128.27% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 4TH FLOOR 160 FEDERAL STREET BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | $558 | $277 | $835 | 44.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINISTRATION | Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Named fiduciary; Non-monetary compensation; Claims processing; Other services Service code 12 | — | $209K |
| EBENCONCEPTS COMPANY EIN 75-2966596 CONSULTANT | Consulting (general); Consulting fees Service code 16 | — | $36K |
| FLORES AND ASSOCIATES EIN 56-1542307 FSA/ COBRA ADMINISTRATOR | Other services; Other fees Service code 49 | — | $18K |
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 | 1,256 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 30 | $282K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 1,256 | $492K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 0 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 830 | $1.4M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 830 | $1.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 830 | $1.4M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 609 | $614K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 830 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,256 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.