| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 700 AIRPORT BOULEVARD SUITE 300 BURLINGAME, CA 94010 | KAISER FOUNDATION HEALTH PLAN INC | $69K | $1 | $69K | 4.99% |
| AGIS NETWORK INC3 | 2122 KRATKY ROAD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 11.16% |
| RSC INSURANCE BROKERAGE INC3 | 1400 ROCKY RIDGE DRIVE SUITE 280 ROSEVILLE, CA 95661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 11.16% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.79% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 8.77% |
| RICHARD B MILLANG INS SVCS INC3 | 9949 VILLA GRANITO LANE GRANITE BAY, CA 95746 | AFLAC | $5K | $211 | $5K | 10.00% |
| AMY E COHEN3 Filed as: AMY A PURVIS | 90 GREAT OAKS BOULEVARD SUITE 103 SAN JOSE, CA 95119 | AFLAC | $1K | $46 | $1K | 2.60% |
| DERREK LYN KECK3 | 18080 DAMIAN WAY SALINAS, CA 93907 | AFLAC | $1K | $46 | $1K | 2.13% |
| RICHARD B MILLANG INS SVCS INC3 | 8 CUTTER DRIVE WATSONVILLE, CA 95076 | AFLAC | $787 | $19 | $806 | 1.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL D EADE | 17809 COUNTRYSIDE COURT SALINAS, CA 93907 | AFLAC | $330 | — | $330 | 0.66% |
| ERNESTO T GONZALEZ3 | 10653 WEST LEILANI DRIVE BOISE, ID 83709 | AFLAC | $146 | — | $146 | 0.29% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS CONSULTANTS | 10653 WEST LEILANI DRIVE BOISE, ID 83709 | AFLAC | $104 | — | $104 | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL D EADE | 25390 TELARANA WAY CARMEL, CA 93923 | AFLAC | $102 | — | $102 | 0.20% |
| D BREDESON INSURANCE SERVICES INC3 | 19043 META ROAD CORNELIUS, NC 28031 | AFLAC | $80 | — | $80 | 0.16% |
| WILLIAM V SCHAUB3 | 81 VINTAGE CIRCLE UNIT 3247 PLEASANTON, CA 94566 | AFLAC | $69 | — | $69 | 0.14% |
| JOSEPH LEONARD HERRERA3 | 2725 AVENIDA CORAZON SOUTHEAST RIO RANCHO, NM 87124 | AFLAC | $48 | — | $48 | 0.10% |
| BARBARA AMY PHILLIPS3 | 648 VIA CIELITY VENTURA, CA 93003 | AFLAC | $48 | — | $48 | 0.10% |
| DAN R ELLIS3 | 3767 NORTH PLAYER DRIVE COEUR D ALENE, ID 83815 | AFLAC | $22 | — | $22 | 0.04% |
| SIERRA N KIRSHY3 | 348 DIAMOND OAKS ROAD ROSEVILLE, CA 95678 | AFLAC | $18 | — | $18 | 0.04% |
| DUANE A ADAMS3 Filed as: DUANE ANDREW FRY | 641 HIGUERA STREET SUITE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $17 | — | $17 | 0.03% |
| DOUGLAS MARTIN BELSER3 | 26211 INDIANA AVENUE NOVI, MI 48374 | AFLAC | $14 | — | $14 | 0.03% |
| ERIC BROGAN3 Filed as: ERIC E MILLER | 728 MERCER PLACE HUNTERSVILLE, NC 28078 | AFLAC | $11 | — | $11 | 0.02% |
| CHARLES D. BLOCK3 Filed as: CHARLES B CAREY | 16215 LYLE STREET SAN LEANDRO, CA 94578 | AFLAC | $7 | — | $7 | 0.01% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 3013 LARGE HOP LANE ANTIOCH, TN 37013 | AFLAC | $6 | — | $6 | 0.01% |
| DENA JORDAN3 Filed as: DENA L JORDAN | 9300 HARRIS CORNERS PARKWAY SUITE 100 CHARLOTTE, NC 28269 | AFLAC | $4 | — | $4 | 0.01% |
| JEANETTE SCHAUB3 | 81 VINTAGE CIRCLE UNIT 3247 PLEASANTON, CA 94566 | AFLAC | $4 | — | $4 | 0.01% |
| PETER C. FOY & ASSOCIATES3 Filed as: PETER LYMAN SR | 8 SOUTH VOLUNTARIO STREET UNIT A SANTA BARBARA, CA 93103 | AFLAC | $4 | — | $4 | 0.01% |
| REGINA E MARTINELLI3 | 3360 RIVER ROAD WINDSOR, CA 95492 | AFLAC | $3 | — | $3 | 0.01% |
| DOUGLAS MARTIN BELSER3 | 4337 EAST GRAND RIVER AVENUE SUITE 136 HOWELL, MI 48843 | AFLAC | $2 | — | $2 | 0.00% |
| MARIAN A LOPEZ3 | 13322 CITICOURT LANE WHITTIER, CA 90602 | AFLAC | $2 | — | $2 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 9.12% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $2K | — | $2K | 4.15% |
| KAI DEERING3 | 699 BORREGAS AVENUE SUNNYVALE, CA 94085 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $548 | — | $548 | 8.39% |
| JAMES M HICKS3 | 4243 AVON COURT SAN JOSE, CA 95136 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $352 | — | $352 | 5.39% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $315 | — | $315 | 10.01% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $234 | $234 | 7.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RSC INSURANCE BROKERAGE EIN 16-1689464 BROKER | Custodial (securities) Service code 19 | — | $82K |
| ALLIED BENEFIT SYSTEMS INC. EIN 36-3086057 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $52K |
| CIGNA EIN 59-1031071 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $15K |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 229 | $1.4M |
| Vision | VISION SERVICE PLAN | 216 | $39K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $69K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5 | $3K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $40K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 83 | $734K |
| Other(6 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.