| 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 | $71K | — | $71K | 4.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA BOULEVARD SUITE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 | 1400 ROCKY RIDGE DRIVE SUITE 280 ROSEVILLE, CA 95661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.50% |
| 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 | 8.66% |
| 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 | 8.79% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $2K | — | $2K | 4.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA BOULEVARD SUITE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.83% |
| RSC INSURANCE BROKERAGE INC3 | 1400 ROCKY RIDGE DRIVE SUITE 280 ROSEVILLE, CA 95661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.83% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $870 | $870 | 2.46% |
| RICHARD B MILLANG INS SVCS INC3 | 9949 VILLA GRANITO LANE GRANITE BAY, CA 95746 | AFLAC | $3K | $77 | $3K | 8.36% |
| AMY E COHEN3 Filed as: AMY A PURVIS | 90 GREAT OAKS BOULEVARD SUITE 103 SAN JOSE, CA 95119 | AFLAC | $631 | — | $631 | 1.85% |
| DERREK LYN KECK3 | 18080 DAMIAN WAY SALINAS, CA 93907 | AFLAC | $558 | $18 | $576 | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL D EADE | 25390 TELARANA WAY CARMEL, CA 93923 | AFLAC | $340 | $18 | $358 | 1.05% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS CONSULTANTS | 10653 WEST LEILANI DRIVE BOISE, ID 83709 | AFLAC | $166 | — | $166 | 0.49% |
| D BREDESON INSURANCE SERVICES INC3 | 19043 META ROAD CORNELIUS, NC 28031 | AFLAC | $52 | — | $52 | 0.15% |
| WILLIAM V SCHAUB3 | 81 VINTAGE CIRCLE UNIT 3247 PLEASANTON, CA 94566 | AFLAC | $48 | — | $48 | 0.14% |
| JOSEPH LEONARD HERRERA3 | 2725 AVENIDA CORAZON SOUTHEAST RIO RANCHO, NM 87124 | AFLAC | $35 | — | $35 | 0.10% |
| BARBARA AMY PHILLIPS3 | 648 VIA PHILLIPS VENTURA, CA 93003 | AFLAC | $34 | — | $34 | 0.10% |
| DAN R ELLIS3 | 7258 NORTH WHEATFIELD DRIVE COEUR D ALENE, ID 83815 | AFLAC | $16 | — | $16 | 0.05% |
| SIERRA N KIRSHY3 | 348 DIAMOND OAKS ROAD ROSEVILLE, CA 95678 | AFLAC | $11 | — | $11 | 0.03% |
| DUANE A ADAMS3 Filed as: DUANE ANDREW FRY | 641 HIGUERA STREET SUITE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $11 | — | $11 | 0.03% |
| DOUGLAS MARTIN BELSER3 | 26211 INDIANA AVENUE NOVI, MI 48374 | AFLAC | $11 | — | $11 | 0.03% |
| ERIC BROGAN3 Filed as: ERIC E MILLER | 728 MERCER PLACE HUNTERSVILLE, NC 28078 | AFLAC | $8 | — | $8 | 0.02% |
| CHARLES D. BLOCK3 Filed as: CHARLES B CAREY | 16215 LYLE STREET SAN LEANDRO, CA 94578 | AFLAC | $5 | — | $5 | 0.01% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 3013 LARGE HOP LANE ANTIOCH, TN 37013 | AFLAC | $4 | — | $4 | 0.01% |
| DENA JORDAN3 Filed as: DENA L JORDAN | 9300 HARRIS CORNERS PARKWAY SUITE 100 CHARLOTTE, NC 28269 | AFLAC | $3 | — | $3 | 0.01% |
| JEANETTE SCHAUB3 | 81 VINTAGE CIRCLE UNIT 3247 PLEASANTON, CA 94566 | AFLAC | $3 | — | $3 | 0.01% |
| PETER C. FOY & ASSOCIATES3 Filed as: PETER LYMAN SR | 8 SOUTH VOLUNTARIO STREET UNIT A SANTA BARBARA, CA 93103 | AFLAC | $3 | — | $3 | 0.01% |
| REGINA E MARTINELLI3 | 3360 RIVER ROAD WINDSOR, CA 95492 | AFLAC | $2 | — | $2 | 0.01% |
| MARIAN A LOPEZ3 | 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 | $405 | — | $405 | 7.33% |
| JIM M HICKS3 | 4243 AVON COURT SAN JOSE, CA 95136 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $269 | — | $269 | 4.87% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $283 | — | $283 | 10.01% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $271 | $271 | 9.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RSC INSURANCE BROKERAGE EIN 16-1689464 BROKER | Custodial (securities) Service code 19 | — | $82K |
| ALLIED BENEFIT SYSTEMS, LLC EIN 36-3086057 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $53K |
| 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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 210 | $1.4M |
| Vision | VISION SERVICE PLAN | 210 | $39K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $75K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4 | $3K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $42K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 83 | $735K |
| Other(7 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.