| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $88K | — | $88K | 10.00% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECH SLTNS | 3696 N FEDERAL HWY # 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18K | $18K | 2.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY #202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.39% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52K | — | $52K | 12.19% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECH SLTNS | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $4K | $7K | 1.63% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 12.56% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECH SLTNS | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $3K | $4K | 1.67% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 9.68% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECH SLTNS | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $752 | $2K | $2K | 1.29% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $1K | $21K | 21.26% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECH SLTNS | 3696 N FEDERAL HWY # 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $902 | $16K | 21.20% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECH SLTNS | 3696 N FEDERAL HWY #202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Claims processing; Plan Administrator; Other services Service code 12 | — | $305K |
| RSC INSURANCE BROKERAGE, INC. EIN 16-1689464 NONE | Other services; Claims processing Service code 12 | — | $284K |
| ANTHEM EIN 95-4331852 NONE | Other services; Claims processing Service code 12 | — | $204K |
| HEALTHJOY, LLC EIN 46-5722012 NONE | Other services; Claims processing Service code 12 | — | $33K |
| NAVIA BENEFITS EIN 91-1467758 CARRIER | Claims processing Service code 12 | 600 NACHES AVE SW RENTON, WA 98057 | $9K |
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 | 965 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 968 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 139 | $1.3M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 790 | $881K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 751 | $119K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 957 | $426K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 957 | $184K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 957 | $242K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 666 | $2.3M |
| Stop-loss / reinsurancereinsurance | MARKEL | 666 | $996K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 966 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 966 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.