| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN STREET SUITE 450 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN INC | $22K | — | $22K | 4.97% |
| AMWINS3 Filed as: LISI INC | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 1.67% |
| RSC INSURANCE BROKERAGE INC3 | 7500 OLD GEORGETOWN ROAD SUITE 925 BETHESDA, MD 20814 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.39% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $1K | $2K | 6.14% |
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN STREET SUITE 450 IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.03% |
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN STREET SUITE 450 IRVINE, CA 92614 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 18.18% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $429 | $429 | 2.79% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES | — | FIDELITY SECURITY LIFE INSURANCE | $256 | — | $256 | 9.99% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 66 | $440K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 108 | $40K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 108 | $40K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 108 | $40K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 63 | $15K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 66 | $440K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 108 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.