| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | KAISER FOUNDATION HEALTH PLAN INC | $5K | $0 | $5K | 0.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 2270 DOUGLAS BOULEVARD SUITE 220 ROSEVILLE, CA 95661 | KAISER FOUNDATION HEALTH PLAN INC | $5K | $0 | $5K | 0.99% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $3K | $34K | 9.74% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $44 | $16K | 4.62% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 4.52% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.09% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.48% |
| GCG FINANCIAL LLC3 Filed as: RCP, ALERA GROUP LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.36% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $8K | $0 | $8K | 5.35% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.02% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $573 | $0 | $573 | 1.40% |
| RSC INSURANCE BROKERAGE INC3 | 7500 OLD GEORGETOWN ROAD SUITE 925 BETHESDA, MD 20814 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $878 | $0 | $878 | 4.60% |
| GCG FINANCIAL LLC3 Filed as: RCP, ALERA GROUP LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | METROPOLITAN GENERAL INSURANCE COMPANY | $538 | $15 | $553 | 7.02% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & CO LLC | 1350 AVENUE OF THE AMERICAS 18TH FLOOR NEW YORK, NY 10019 | METROPOLITAN GENERAL INSURANCE COMPANY | $134 | $0 | $134 | 1.70% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN GENERAL INSURANCE COMPANY | $126 | $0 | $126 | 1.60% |
| UNKNOWN3 | UNKNOWN SALT LAKE CITY, UT 84107 | HOLMAN FAMILY COUNSELING, INC | $257 | $0 | $257 | 4.99% |
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 | 526 | 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) | 526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 53 | $694K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 526 | $326K |
| Vision | VISION SERVICE PLAN | 393 | $41K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $347K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $347K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $347K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 53 | $694K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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.