| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | SUN LIFE FINANCIAL | $7K | $7K | $14K | 5.86% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 11215 N. COMMUNITY HOUSE ROAD, #100 CHARLOTTE, NC 28277 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $5K | — | $5K | 8.30% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 5821 FAIRVIEW ROAD CHARLOTTE, NC 28209 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $492 | — | $492 | 0.78% |
| ASCENSION BENEFITS ADVISORS3 Filed as: ASCENSION BENEFITS & INSURANCE | 5821 FAIRVIEW ROAD CJARLOTTE, NC 28209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.06% |
| ASCENSION BENEFITS ADVISORS3 Filed as: ASCENSION BENEFITS & INSURANCE | 5821 FAIRVIEW ROAD, #500 CHARLOTTE, NC 28209 | RELIANCE STANDARD LIFE INSURANCE | $3K | — | $3K | 10.83% |
| ASCENSION BENEFITS ADVISORS3 Filed as: ASCENSION BENEFITS & INSURANCE | 5821 FAIRVIEW ROAD, #500 CHARLOTTE, NC 28209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $625 | — | $625 | 10.01% |
| ASCENSION BENEFITS ADVISORS3 Filed as: ASCENSION BENEFITS & INSURANCE | 5821 FAIRVIEW ROAD, #500 CHARLOTTE, NC 28209 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $344 | — | $344 | 11.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Named fiduciary; Participant communication; Contract Administrator; Claims processing; Float revenue; Non-monetary compensation; Other services; Direct payment from the plan Service code 12 | — | $835K |
| CIGNA HEALTH & LIFE INSURANCE EIN 59-1031071 DENTAL FEES | Other services; Contract Administrator; Non-monetary compensation; Direct payment from the plan; Claims processing; Participant communication; Float revenue; Named fiduciary Service code 12 | — | $61K |
| RELATION INSURANCE SERVICES EIN 26-3652075 BROKER | Other commissions Service code 55 | 700 SE CENTRAL PKWY STUART, FL 349943967 | $0 |
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 | 1,017 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,020 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 1,317 | $63K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE FINANCIAL | 1,017 | $298K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE FINANCIAL | 1,017 | $270K |
| Other(4 contracts, 3 carriers) | SUN LIFE FINANCIAL | 1,017 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,317 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.