| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RMA INSURANCE SERVICES INC3 Filed as: RMA INSURANCE SERVICES INC. | 444 WEST OCEAN BLVD, SUITE 1250 LONG BEACH, CA 90802 | AETNA LIFE INSURANCE CO. | $46K | — | $46K | 3.93% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE CO. | $12K | $0 | $12K | 0.98% |
| RMA INSURANCE SERVICES INC3 | 444 WEST OCEAN BLVD SUITE 1250 LONG BEACH, CA 90802 | AETNA HEALTH INC | $30K | $0 | $30K | 3.92% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | AETNA HEALTH INC | $8K | — | $8K | 0.98% |
| RMA INSURANCE SERVICES INC3 Filed as: RMA INSURANCE SERVICES, INC | 444 WEST OCEAN BLVD, SUITE 1250 LONG BEACH, CA 90802 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $2K | $0 | $2K | 1.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SER | 199 FREMONT STREET 15TH FLOOR SAN FRANCISCO, CA 94105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 36.25% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 161 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 286 | $29K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 243 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.