| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 2270 DOUGLAS BOULEVARD SUITE 220 ROSEVILLE, CA 95661 | KAISER FOUNDATION HEALTH PLAN INC | $88K | — | $88K | 4.98% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | — | UNITED HEALTHCARE INSURANCE COMPANY | $109K | — | $109K | 8.22% |
| RSC INSURANCE BROKERAGE INC3 | 120 WEST 12TH STREET SUITE 1000 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 9.20% |
| AGIS NETWORK INSURANCE SERVICE3 | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 | 1400 ROCKY RIDGE DRIVE SUITE 280 ROSEVILLE, CA 95661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTY PKWY W SUITE 300, VEVA 16 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.50% |
| RSC INSURANCE BROKERAGE INC3 | 120 WEST 12TH STREET SUITE 1000 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 9.18% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $2K | — | $2K | 4.04% |
| RICHARD B MILLANG INS SVCS INC3 | 9949 VILLA GRANITO LANE GRANITE BAY, CA 95746 | AFLAC | $3K | $82 | $3K | 10.09% |
| AMY E COHEN3 Filed as: AMY A PURVIS | 1058 FOXCHASE DRIVE APARTMENT 369 SAN JOSE, CA 95123 | AFLAC | $474 | — | $474 | 1.42% |
| JULIE L. VOGADO3 Filed as: JULIE VOGADO | 1530 KENNETH STREET SEASIDE, CA 93955 | AFLAC | $357 | — | $357 | 1.07% |
| DERREK LYN KECK3 Filed as: DERREK KECK | 18080 DAMIAN WAY SALINAS, CA 93907 | AFLAC | $292 | — | $292 | 0.88% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: MATTHEW BROWN | 490 43RD STREET #1009 OAKLAND, CA 94609 | AFLAC | $257 | — | $257 | 0.77% |
| CHRIS C NESTER3 Filed as: CHRIS NESTER | 1610 PARK TRAIL DRIVE HOLLISTER, CA 95023 | AFLAC | $123 | $19 | $142 | 0.43% |
| ERNESTO T GONZALEZ3 | 10653 WEST LEILANI DRIVE BOISE, ID 83709 | AFLAC | $115 | — | $115 | 0.34% |
| DANIEL EADE3 | 25390 TELARANA WAY CARMEL, CA 93923 | AFLAC | $102 | — | $102 | 0.31% |
| ROSARIO RONQUILLO3 | PO BOX 7171 VAN NUYS, CA 91409 | AFLAC | $47 | $19 | $66 | 0.20% |
| WILLIAM SCHAUB3 | 5717 OWENS DRIVE PLEASANTON, CA 94588 | AFLAC | $42 | — | $42 | 0.13% |
| JOSEPH LEONARD HERRERA3 Filed as: JOSEPH HERRERA | 2725 AVENIDA CORAZON SOUTHEAST RIO RANCHO, NM 87124 | AFLAC | $38 | — | $38 | 0.11% |
| BARBARA AMY PHILLIPS3 Filed as: BARBARA PHILLIPS | 340 TELOMA DRIVE VENTURA, CA 93003 | AFLAC | $38 | — | $38 | 0.11% |
| D BREDESON INSURANCE SERVICES INC3 | 19043 META ROAD CORNELIUS, NC 28031 | AFLAC | $36 | — | $36 | 0.11% |
| DAN R ELLIS3 Filed as: DAN ELLIS | 1698 EAST BRUCE ROAD HAYDEN, ID 83835 | AFLAC | $17 | — | $17 | 0.05% |
| DOUGLAS BELSER3 | 4337 EAST GRAND RIVER AVENUE #136 HOWELL, MI 48843 | AFLAC | $12 | — | $12 | 0.04% |
| MARLON JASON HINES3 Filed as: MARLON HINES | 17075 SAINT CECILIA LANE MORGAN HILL, CA 95037 | AFLAC | $12 | — | $12 | 0.04% |
| KYLE FALCE3 | 99 GREAT OAKS BOULEVARD SUITE 103 SAN JOSE, CA 95119 | AFLAC | $11 | — | $11 | 0.03% |
| DUANE ANDREW FRY3 Filed as: DUANE FRY | 641 HIGUERA STREET SUITE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $9 | — | $9 | 0.03% |
| ERIC BROGAN3 Filed as: ERIC E MILLER | 149 MALIBU ROAD MOORESVILLE, NC 28117 | AFLAC | $8 | — | $8 | 0.02% |
| SIERRA N KIRSHY3 Filed as: SIERRA KIRSHY | 348 DIAMOND OAKS ROAD ROSEVILLE, CA 95678 | AFLAC | $7 | — | $7 | 0.02% |
| PETER C. FOY & ASSOCIATES3 Filed as: PETER LYMAN SR | 8 SOUTH VOLUNTARIO STREET UNIT A SANTA BARBARA, CA 93103 | AFLAC | $3 | — | $3 | 0.01% |
| SHANE DAVISON3 | 3013 LARGE HOP LANE ANTIOCH, TN 37013 | AFLAC | $3 | — | $3 | 0.01% |
| JEANETTE SCHAUB3 | 5717 OWENS DRIVE PLEASANTON, CA 94588 | AFLAC | $3 | — | $3 | 0.01% |
| CHARLES CAREY3 | 16215 LYLE STREET SAN LEANDRO, CA 94578 | AFLAC | $3 | — | $3 | 0.01% |
| REGINA E MARTINELLI3 Filed as: REGINA MARTINELLI | 3360 RIVER ROAD WINDSOR, CA 95492 | AFLAC | $2 | — | $2 | 0.01% |
| DENA JORDAN3 Filed as: DENA KILGORE | 5753 HIGHWAY 85 NORTH PMB 817 CRESTVIEW, FL 32536 | AFLAC | $2 | — | $2 | 0.01% |
| MARIAN A LOPEZ3 Filed as: MARIAN LOPEZ | 13322 CITICOURT LANE WHITTIER, CA 90602 | AFLAC | $1 | — | $1 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.00% |
| KAI DEERING3 | 699 BORREGAS AVENUE SUNNYVALE, CA 94085 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $556 | — | $556 | 7.09% |
| JIM M HICKS3 | 4243 AVON COURT SAN JOSE, CA 95136 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $308 | — | $308 | 3.93% |
| RSC INSURANCE BROKERAGE INC3 | 120 WEST 12TH STREET SUITE 1000 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $348 | — | $348 | 10.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $302 | $302 | 8.69% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 211 | $1.8M |
| Vision | VISION SERVICE PLAN | 217 | $41K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $115K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4 | $3K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $67K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 92 | $1.3M |
| Other(6 contracts, 6 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 228 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.