| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 700 AIRPORT BOULEVARD SUITE 300 BURLINGAME, CA 94010 | KAISER FOUNDATION HEALTH PLAN, INC. | $68K | — | $68K | 5.91% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | QBE INSURANCE CORPORATION | $57K | — | $57K | 10.81% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | DELTA DENTAL OF CALIFORNIA | $10K | — | $10K | 5.22% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 14.14% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $35 | $35 | 0.04% |
| RSC INSURANCE BROKERAGE INC3 | 1400 ROCKY RIDGE DRIVE SUITE 280 ROSEVILLE, CA 95661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE | $2K | — | $2K | 10.81% |
| RSC INSURANCE BROKERAGE INC3 | 1400 ROCKY RIDGE DRIVE SUITE 280 ROSEVILLE, CA 95661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 179 | $1.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 140 | $189K |
| Vision | EYEMED VISION CARE | 336 | $15K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 183 | $82K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 183 | $82K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 183 | $82K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 179 | $1.2M |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 73 | $528K |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 183 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.