| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $3K | $19K | 13.50% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $94 | $94 | 0.07% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $67 | $6K | 12.43% |
| RSC INSURANCE BROKERAGE INC3 | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | $585 | $3K | 12.46% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $0 | $29 | $29 | 0.13% |
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 | 421 | 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) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 561 | $164K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 561 | $141K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 561 | $141K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 89 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 89 | $45K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 561 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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.