| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: RCP, ALERA GROUP LLC | 8182 MARYLAND AVENUE, SUITE 250 ST. LOUIS, MO 63105 | KAISER FOUNDATION HEALTH PLAN, INC. | $26K | $0 | $26K | 4.49% |
| GCG FINANCIAL LLC3 Filed as: RCP, ALERA GROUP LLC | 8182 MARYLAND AVENUE, SUITE 250 ST. LOUIS, MO 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | $0 | $25K | 4.94% |
| GCG FINANCIAL LLC3 Filed as: RCP, ALERA GROUP LLC | 8182 MARYLAND AVENUE, SUITE 250 ST. LOUIS, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | $6K | $68K | 14.71% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $9K | $31K | 6.77% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | -$105 | $904 | $799 | 0.17% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $227 | $0 | $227 | 0.05% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $212 | $212 | 0.05% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 02110 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $7K | $0 | $7K | 4.99% |
| GCG FINANCIAL LLC3 Filed as: RCP, ALERA GROUP LLC | 8182 MARYLAND AVENUE, SUITE 250 ST. LOUIS, MO 63105 | VISION SERVICE PLAN | $3K | $0 | $3K | 4.86% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 7500 OLD GEORGETOWN ROAD, SUITE 925 BETHESDA, MD 20814 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $816 | $136 | $952 | 5.18% |
| GCG FINANCIAL LLC3 Filed as: RCP, ALERA GROUP LLC | 8182 MARYLAND AVENUE, SUITE 250 ST. LOUIS, MO 63105 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $76 | $1K | 9.48% |
| UNKNOWN3 | UNKNOWN SALT LAKE CITY, UT 84107 | HOLMAN FAMILY COUNSELING, INC | $505 | $0 | $505 | 5.00% |
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 | 975 | 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) | 975 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 72 | $749K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 774 | $506K |
| Vision | VISION SERVICE PLAN | 597 | $67K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 975 | $459K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 975 | $459K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 975 | $459K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 72 | $749K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,085 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,085 | — |
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.