| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 01982 | BLUE CROSS OF CALIFORNIA | $26K | $0 | $26K | 5.40% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS., LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | BLUE CROSS OF CALIFORNIA | $0 | $11K | $11K | 2.16% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 13.64% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN AND COMPANY, LLC | 1 INTEGRITY PARKWAY CLEVELAND, OH 44143 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.53% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.13% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $481 | $481 | 0.72% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERS, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02210 | CALIFORNIA DENTAL NETWORK, INC. | $570 | $0 | $570 | 10.00% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 82 | $489K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $72K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $67K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $67K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 82 | $489K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.