| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | AETNA LIFE INSURANCE COMPANY | $4K | $26K | $30K | 3.38% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 31 BUSINESS PARK DRIVE BRANFORD, CT 06405 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 12.05% |
| PATRICK J SULLIVAN3 Filed as: PATRICK J. SULLIVAN | 36 DESERT HIGHLAND DRIVE HENDERSON, NV 89052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.90% |
| LUZ ELENA SERVI3 Filed as: LUZ E. SERVI | 2349 SALEROSO DRIVE ROWLAND HEIGHTS, CA 91748 | CONTINENTAL AMERICAN INSURANCE COMPANY | $429 | $0 | $429 | 1.52% |
| STEVE D SERVI3 Filed as: STEVE D. SERVI | 6127 SOUTH RAINBOW BOULEVARD SUITE 110 LAS VEGAS, NV 89118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $239 | $0 | $239 | 0.85% |
| THE PROFECTUS GROUP LLC3 Filed as: THE PROFECTUS GROUP, LLC | 30 WEST RUSSELL ROAD COLUMBUS, OH 43215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $138 | $0 | $138 | 0.49% |
| DEBORAH L SENN3 Filed as: DEBORAH L. SENN | 5846 FALLING STREAM AVENUE LAS VEGAS, NV 89131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $123 | $0 | $123 | 0.44% |
| SAHAR QABAZARD3 Filed as: SAHAR QABAZARD AND OTHER AGENTS | 18121 CALIFORNIA COURT SONOMA, CA 95476 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | $0 | $116 | 0.41% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | LEGAL CLUB OF AMERICA | $533 | $0 | $533 | 18.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN & PIKE, INC. | UNKNOWN LAS VEGAS, NV 89106 | LEGAL CLUB OF AMERICA | $228 | $0 | $228 | 8.02% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 181 | $894K |
| Dental | AETNA LIFE INSURANCE COMPANY | 181 | $894K |
| Vision | AETNA LIFE INSURANCE COMPANY | 181 | $894K |
| Life insurance | STANDARD INSURANCE COMPANY | 121 | $98K |
| Short-term disability | STANDARD INSURANCE COMPANY | 121 | $98K |
| Long-term disability | STANDARD INSURANCE COMPANY | 121 | $98K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 181 | $894K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 121 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.