| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 700 AIRPORT BLVD STE 300 BURLINGAME, CA 94010 | KAISER FOUNDATION HEALTH PLAN INC | $51K | — | $51K | 5.43% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $946 | $16K | 9.91% |
| RSC INSURANCE BROKERAGE INC3 | 1400 ROCKY RIDGE DRIVE SUITE 280 ROSEVILLE, CA 95661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.19% |
| EMERSON REID LLC3 | 401 BROADWAY STE 912 NEW YORK, NY 10013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.61% |
| RSC INSURANCE BROKERAGE INC3 | 1400 ROCKY RIDGE DRIVE SUITE 280 ROSEVILLE, CA 95661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.24% |
| EMERSON REID LLC3 | 401 BROADWAY STE 912 NEW YORK, NY 10013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $425 | $425 | 2.30% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES COMPANY - ROSEVILLE | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE | $984 | — | $984 | 7.19% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $729 | — | $729 | 8.93% |
| RSC INSURANCE BROKERAGE INC3 | 1400 ROCKY RIDGE DRIVE SUITE 280 ROSEVILLE, CA 95661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 18.37% |
| EMERSON REID LLC3 | 401 BROADWAY STE 912 NEW YORK, NY 10013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $199 | $199 | 3.20% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 169 | $938K |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $170K |
| Vision | EYEMED VISION CARE | 322 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $78K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $71K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $71K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 169 | $938K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.