| 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 | $80K | — | $80K | 4.99% |
| STRATEGIC NON-MEDICAL SOLUTION3 | ONE BEACON STREET SUITE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 | 1400 ROCKY RIDGE DRIVE SUITE 280 ROSEVILLE, CA 95661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 2.50% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 9.30% |
| 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% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 9.36% |
| RICHARD B MILLANG INS SVCS INC3 | 9949 VILLA GRANITO LANE GRANITE BAY, CA 95746 | AFLAC | $3K | $89 | $3K | 6.97% |
| AMY E COHEN3 Filed as: AMY A PURVIS | 1058 FOXCHASE DRIVE APARTMENT 369 SAN JOSE, CA 95123 | AFLAC | $650 | — | $650 | 1.72% |
| DERREK LYN KECK3 | 18080 DAMIAN WAY SALINAS, CA 93907 | AFLAC | $439 | — | $439 | 1.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL D EADE | 25390 TELARANA WAY CARMEL, CA 93923 | AFLAC | $279 | $21 | $300 | 0.79% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS CONSULTANTS | 10653 WEST LEILANI DRIVE BOISE, ID 83709 | AFLAC | $140 | — | $140 | 0.37% |
| FALCE BENEFITS GROUP INC.3 Filed as: FALCE BENEFITS GROUP INC | 191 CYPRESS LANE WATSONVILLE, CA 95076 | AFLAC | $53 | $21 | $74 | 0.20% |
| MARLON JASON HINES3 Filed as: MARLON JASCON HINES | 17075 SAINT CECILIA LANE MORGAN HILL, CA 95037 | AFLAC | $63 | — | $63 | 0.17% |
| D BREDESON INSURANCE SERVICES INC3 | 19043 META ROAD CORNELIUS, NC 28031 | AFLAC | $54 | — | $54 | 0.14% |
| WILLIAM V SCHAUB3 Filed as: WILLIAM SCHAUB | 81 VINTAGE CIRCLE UNIT 3247 PLEASANTON, CA 94566 | AFLAC | $44 | — | $44 | 0.12% |
| JOSEPH LEONARD HERRERA3 | 2725 AVENIDA CORAZON SOUTHEAST RIO RANCHO, NM 87124 | AFLAC | $42 | — | $42 | 0.11% |
| BARBARA AMY PHILLIPS3 | 340 TELOMA DRIVE VENTURA, CA 93003 | AFLAC | $41 | — | $41 | 0.11% |
| DAN R ELLIS3 | 7258 NORTH WHEATFIELD DRIVE COEUR D ALENE, ID 83815 | AFLAC | $19 | — | $19 | 0.05% |
| ROSARIO RONQUILLO3 | 478 PAGODA TERRACE FREMONT, CA 94539 | AFLAC | $15 | — | $15 | 0.04% |
| DUANE A ADAMS3 Filed as: DUANE ANDREW FRY | 641 HIGUERA STREET SUITE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $14 | — | $14 | 0.04% |
| DOUGLAS MARTIN BELSER3 | 26211 INDIANA AVENUE NOVI, MI 48374 | AFLAC | $14 | — | $14 | 0.04% |
| 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 | $4 | — | $4 | 0.01% |
| SHANE DAVISON3 | 3013 LARGE HOP LANE ANTIOCH, TN 37013 | 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% |
| JEANETTE SCHAUB3 | 81 VINTAGE CIRCLE UNIT 3247 PLEASANTON, CA 94566 | AFLAC | $3 | — | $3 | 0.01% |
| REGINA E MARTINELLI3 Filed as: REGINA MARTINELLI | 3360 RIVER ROAD WINSOR, CA 95492 | 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 | $554 | — | $554 | 8.23% |
| JIM M HICKS3 | 4243 AVON COURT SAN JOSE, CA 95136 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $327 | — | $327 | 4.86% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $201 | $201 | 10.28% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $195 | — | $195 | 9.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RISK STRATEGIES COMPANY EIN 16-1689464 BROKER | Custodial (securities) Service code 19 | — | $86K |
| ALLIED BENEFIT SYSTEMS, LLC EIN 36-3086057 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $58K |
| 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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 221 | $1.6M |
| Vision | VISION SERVICE PLAN | 217 | $41K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $75K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4 | $2K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $41K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 86 | $984K |
| Other(6 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.