| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 2040 MAIN STREET SUITE 450 IRVINE, CA 92614 | BLUE SHIELD OF CALIFORNIA | $0 | $75K | $75K | 4.84% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | RELIANCEMATRIX | $6K | $0 | $6K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 485 LEXINGTON AVE FL 17 NEW YORK, NY 10017 | RELIANCEMATRIX | $5K | $0 | $5K | 4.19% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $1K | $2K | $3K | 17.23% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 485 LEXINGTON AVE FL 17 NEW YORK, NY 10017 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $634 | $0 | $634 | 3.46% |
| SELMAN & COMPANY, LLC3 | 1 INTEGRITY PKWY CLEVELAND, OH 44143 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $0 | $317 | $317 | 1.73% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 17.31% |
| RSC INSURANCE BROKERAGE INC3 | 485 LEXINGTON AVE FL 17 NEW YORK, NY 10017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $523 | $0 | $523 | 3.41% |
| SELMAN & COMPANY, LLC3 | 1 INTEGRITY PKWY CLEVELAND, OH 44143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $262 | $262 | 1.71% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $520 | $849 | $1K | 17.90% |
| RSC INSURANCE BROKERAGE INC3 | 485 LEXINGTON AVE FL 17 NEW YORK, NY 10017 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $245 | $0 | $245 | 3.20% |
| SELMAN & COMPANY, LLC3 | 1 INTEGRITY PKWY CLEVELAND, OH 44143 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $0 | $122 | $122 | 1.59% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 132 | $1.6M |
| Dental | RELIANCEMATRIX | 101 | $118K |
| Vision | RELIANCEMATRIX | 101 | $118K |
| Life insurance | UNITED OF OMAHA LIFE INSUARNCE COMPANY | 108 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $15K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 132 | $1.6M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSUARNCE COMPANY | 108 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.