| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 4555 LAKE FOREST DRIVE, SUITE 510 BLUE ASH, OH 45242 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 8.82% |
| ONE80 INTERMEDIARIES INC3 | PO BOX 736061 CHICAGO, IL 60673 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.75% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.97% |
| SELMAN & COMPANY, LLC3 | 1 INTEGRITY PARKWAY CLEVELAND, OH 44143 | PRINCIPAL LIFE INSURANCE COMPANY | — | $667 | $667 | 0.41% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 298 | $162K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 298 | $162K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 298 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.