| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | KAISER FOUNDATION HEALTH PLAN INC | $48K | — | $48K | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS SVCS | 4371 LATHAM STREET SUITE 101 RIVERSIDE, CA 92501 | KAISER FOUNDATION HEALTH PLAN INC | — | $321 | $321 | 0.03% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 9.17% |
| RSC INSURANCE BROKERAGE INC3 | 1400 ROCKY RIDGE DRIVE SUITE 280 ROSEVILLE, CA 95661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.99% |
| EMERSON REID LLC3 | 630 WEST GERMANTOWN PIKE SUITE 215 PLYMOUTH MEETING, PA 19462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 4.62% |
| RSC INSURANCE BROKERAGE INC3 | 1400 ROCKY RIDGE DRIVE SUITE 280 ROSEVILLE, CA 95661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.75% |
| EMERSON REID LLC3 | 630 WEST GERMANTOWN PIKE SUITE 215 PLYMOUTH MEETING, PA 19462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 5.19% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RISK STRATEGIES COMPANY(RSC)ROSEVIL | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE | $2K | — | $2K | 10.74% |
| RSC INSURANCE BROKERAGE INC3 | 1400 ROCKY RIDGE DRIVE SUITE 280 ROSEVILLE, CA 95661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.89% |
| EMERSON REID LLC3 | 630 WEST GERMANTOWN PIKE SUITE 215 PLYMOUTH MEETING, PA 19462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $434 | $434 | 4.30% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $761 | — | $761 | 10.19% |
No Schedule C service providers reported on this filing.
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 151 | $966K |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $140K |
| Vision | EYEMED VISION CARE | 313 | $15K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $88K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $78K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $78K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 151 | $966K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.