| 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 | $3K | — | $3K | 1.90% |
| 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 | $12K | — | $12K | 9.94% |
| RSC INSURANCE BROKERAGE INC3 | 1400 ROCKY RIDGE DRIVE SUITE 280 ROSEVILLE, CA 95661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 9.94% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 2.49% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 9.36% |
| 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 | 9.42% |
| RICHARD B MILLANG INS SVCS INC3 | 9949 VILLA GRANITO LANE GRANITE BAY, CA 95746 | AFLAC | $3K | $92 | $3K | 8.21% |
| AMY E COHEN3 Filed as: AMY A PURVIS | 1058 FOXCHASE DRIVE APARTMENT 369 SAN JOSE, CA 95123 | AFLAC | $711 | — | $711 | 1.76% |
| DERREK LYN KECK3 Filed as: DERREK KECK | 18080 DAMIAN WAY SALINAS, CA 93907 | AFLAC | $517 | $21 | $538 | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL D EADE | 25390 TELARANA WAY CARMEL, CA 93923 | AFLAC | $435 | $21 | $456 | 1.13% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS CONSULTANTS | 10653 WEST LEILANI DRIVE BOISE, ID 83709 | AFLAC | $170 | — | $170 | 0.42% |
| FALCE BENEFITS GROUP INC.3 Filed as: FALCE BENEFITS GROUP INC | 191 CYPRESS LANE WATSONVILLE, CA 95076 | AFLAC | $131 | — | $131 | 0.33% |
| WILLIAM V SCHAUB3 Filed as: WILLIAM SCHAUB | 81 VINTAGE CIRCLE UNIT 3247 PLEASANTON, CA 94566 | AFLAC | $59 | — | $59 | 0.15% |
| D BREDESON INSURANCE SERVICES INC3 | 19043 META ROAD CORNELIUS, NC 28031 | AFLAC | $59 | — | $59 | 0.15% |
| BARBARA AMY PHILLIPS3 Filed as: BARBARA PHILLIPS | 340 TELOMA DRIVE VENTURA, CA 93003 | AFLAC | $41 | — | $41 | 0.10% |
| JOSEPH LEONARD HERRERA3 Filed as: JOSEPH HERRERA | 2725 AVENIDA CORAZON SOUTHEAST RIO RANCHO, NM 87124 | AFLAC | $35 | — | $35 | 0.09% |
| DAN R ELLIS3 Filed as: DAN ELLIS | 7258 NORTH WHEATFIELD DRIVE COEUR D ALENE, ID 83815 | AFLAC | $19 | — | $19 | 0.05% |
| DUANE FRY3 | 641 HIGUERA STREET SUITE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $14 | — | $14 | 0.03% |
| DOUGLAS MARTIN BELSER3 Filed as: DOUGLAS BELSER | 26211 INDIANA AVENUE NOVI, MI 48374 | AFLAC | $14 | — | $14 | 0.03% |
| SIERRA N KIRSHY3 Filed as: SIERRA KIRSHY | 348 DIAMOND OAKS ROAD ROSEVILLE, CA 95678 | AFLAC | $12 | — | $12 | 0.03% |
| ERIC MILLER3 | 728 MERCER PLACE HUNTERVILLE, NC 28078 | AFLAC | $9 | — | $9 | 0.02% |
| CHARLES CAREY3 | 16215 LYLE STREET SAN LEANDRO, CA 94578 | AFLAC | $6 | — | $6 | 0.01% |
| SHANE DAVISON3 | 3013 LARGE HOP LANE ANTIOCH, TN 37013 | AFLAC | $4 | — | $4 | 0.01% |
| JEANETTE SCHAUB3 | 81 VINTAGE CIRCLE UNIT 3247 PLEASANTON, CA 94566 | AFLAC | $4 | — | $4 | 0.01% |
| DENA JORDAN3 | 9300 HARRIS CORNERS PARKWAY SUITE 100 CHARLOTTE, NC 28269 | 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 Filed as: REGINA MARTINELLI | 3360 RIVER ROAD WINSOR, CA 95492 | AFLAC | $2 | — | $2 | 0.00% |
| 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% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 970069 BOSTON, MA 02297 | VISION SERVICE PLAN | $2K | — | $2K | 4.13% |
| KAI DEERING3 | 699 BORREGAS AVENUE SUNNYVALE, CA 94085 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $660 | — | $660 | 9.77% |
| JIM M HICKS3 | 4243 AVON COURT SAN JOSE, CA 95136 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $379 | — | $379 | 5.61% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $246 | $246 | 10.55% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $233 | — | $233 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RISK STRATEGIES COMPANY EIN 16-1689464 BROKER | Custodial (securities) Service code 19 | — | $84K |
| ALLIED BENEFIT SYSTEMS, LLC EIN 36-3086057 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $54K |
| CIGNA EIN 59-1031071 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $16K |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 15 | $150K |
| Vision | VISION SERVICE PLAN | 213 | $39K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $75K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5 | $2K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $42K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 84 | $847K |
| Other(6 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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."
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.