| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICAEDIA LLC3 Filed as: RICAEDIA, LLC | 116 VILLAGE BLVD-SUITE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $30K | $30K | 1.35% |
| RICAEDIA LLC3 | 116 VILLAGE BLVD. - SUITE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $226K | $20K | $246K | 12.52% |
| RICAEDIA LLC3 Filed as: RICAEDIA, LLC | 116 VILLAGE BLVD. - SUITE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $30K | $30K | 1.54% |
| RICAEDIA LLC3 | 116 VILLAGE BLVD. - SUITE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $55K | $9K | $64K | 13.39% |
| JOHN ALBA3 | 23 PACIFIC AVENUE NORTH MIDDLETOWN, NJ 07748 | KAISER FOUNDATION HEALTH PLAN INC.- CA | $14K | — | $14K | 3.53% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET-FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC.- CA | $1K | $555 | $2K | 0.42% |
| RICAEDIA LLC4 Filed as: RICAEDIA, LLC | 116 VILLAGE BLVD-SUITE 200 PRINCETON, NJ 08540 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $27K | — | $27K | 13.77% |
| MARGARET JOHNSTON4 | 710 LYNDHURST STREET-UNIT 203 DUNEDIN, FL 34698 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $583 | — | $583 | 0.29% |
| IGNATIUS A PIAZZA4 | 7975 CAMERON DRIVE-SUITE 900 WINDSOR, CA 95492 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $35 | — | $35 | 0.02% |
| JAN TINDER ENTERPRISES INC4 Filed as: JAN TINDER ENTERPRISES, INC. | 6943 COHASSET CIRCLE RIVERVIEW, FL 33578 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $28 | — | $28 | 0.01% |
| ANTHONY TEEGARDEN4 | 6608 S WEST SHORE BLVD-APT 1104 TAMPA, FL 33616 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $27 | — | $27 | 0.01% |
| GAYLE WARREN4 | 1166 MINNESOTA AVE. COLUMBUS, OH 43211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $20 | — | $20 | 0.01% |
| LAUREN STONE3 | 320 SHAMROCK WAY NEWNAN, GA 30263 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $11 | — | $11 | 0.01% |
| RICAEDIA LLC3 | 116 VILLAGE BLVD-SUITE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 16.18% |
| RICAEDIA LLC3 Filed as: RICAEDIA, LLC | 116 VILLAGE BLVD. - SUITE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 16.22% |
| RICAEDIA LLC3 Filed as: RICAEDIA, LLC | 116 VILLAGE BLVD. - SUITE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 16.00% |
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 | 12,718 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 211 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC.- CA | 70 | $423K |
| Dental | KAISER FOUNDATION HEALTH PLAN INC.- CA | 70 | $406K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC.- CA | 310 | $437K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12,718 | $2.0M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,172 | $2.0M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,739 | $2.2M |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12,718 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,718 | — |
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.