| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 0.32% |
| JONATHAN ALI HAJIMOMEN3 | 4188 VIA NORTE CYPRESS, CA 90630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 0.14% |
| LISA MARIE COOTS3 | 2363 HIALEAH CIRCLE NORCO, CA 92860 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.07% |
| SHEILA MARIE DAVIS3 | 14800 NORTH OURAY COURT COLLBRAN, CO 81624 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.05% |
| MJ INSURANCE3 Filed as: JOSEPH GUNTHER AND VARIOUS AGENTS | 845 WATERFORD VILLAS DRIVE LAKE SAINT LOUIS, MO 63367 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.04% |
| JOY E GUNDERSON3 Filed as: JOY ELIZABETH GUNDERSON | 4531 VALLECITO LANE YORBA LINDA, CA 92886 | CONTINENTAL AMERICAN INSURANCE COMPANY | $674 | $0 | $674 | 0.02% |
| JEFFERY WAYNE GUNDERSON3 | 4531 VALLECITO LANE YORBA LINDA, CA 92886 | CONTINENTAL AMERICAN INSURANCE COMPANY | $673 | $0 | $673 | 0.02% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERGE, INC. | 160 FEDERAL STREET BOSTON, MA 01982 | BLUE CROSS OF CALIFORNIA | $59K | $0 | $59K | 3.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | BLUE CROSS OF CALIFORNIA | $12K | $0 | $12K | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS OF CALIFORNIA | -$170 | $0 | -$170 | -0.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERGE, INC. | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 8.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 333 EAST OSBORN ROAD, SUITE 270 PHOENIX, AZ 85012 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $438 | $6K | 2.88% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERGE, INC. | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 3.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN INC | $1K | $0 | $1K | 1.56% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 207 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $212K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 231 | $1.8M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $212K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $212K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 207 | $1.7M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 231 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.