| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | UNITED HEALTHCARE INSURANCE COMPANY | $87K | — | $87K | 4.37% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | STANDARD INSURANCE COMPANY | $9K | $1K | $10K | 16.80% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE ARLINGTON HEIGHTS, IL 63009 | STANDARD INSURANCE COMPANY | $6K | $896 | $7K | 13.74% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | GUARDIAN | $18K | $386 | $18K | 44.21% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $2K | $56 | $3K | 12.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE IRVINE, CA 92612 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $749 | — | $749 | 14.98% |
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 | 190 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 298 | $2.2M |
| Dental(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION - HMSA | 153 | $220K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION - HMSA | 145 | $208K |
| Life insurance | STANDARD INSURANCE COMPANY | 190 | $52K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 51 | $25K |
| Long-term disability | STANDARD INSURANCE COMPANY | 190 | $57K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 298 | $2.2M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 190 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.