| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2290 HUNTINGTON DR, STE 200 SAN MARINO, CA 91108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $321K | $15K | $336K | 9.94% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2290 HUNTINGTON DR, STE 200 SAN MARINO, CA 91108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $446K | $14K | $460K | 14.57% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2290 HUNTINGTON DR, STE 200 SAN MARINO, CA 91108 | UNUM INSURANCE COMPANY | $79K | $2K | $81K | 15.44% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2290 HUNTINGTON DR, STE 200 SAN MARINO, CA 91108 | UNUM INSURANCE COMPANY | $83K | $2K | $86K | 21.93% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2290 HUNTINGTON DR, STE 200 SAN MARINO, CA 91108 | UNUM INSURANCE COMPANY | $67K | $2K | $69K | 20.94% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2290 HUNTINGTON DR, STE 200 SAN MARINO, CA 91108 | FIRST UNUM LIFE INSURANCE COMPANY | $43K | $1K | $45K | 15.45% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, I | 2290 HUNTINGTON DR SUITE 200 SAN MARINO, CA 91108 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 0.42% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2290 HUNTINGTON DR, STE 200 SAN MARINO, CA 91108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $247 | $8K | 13.44% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2290 HUNTINGTON DR, STE 200 SAN MARINO, CA 91108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $56 | $2K | 13.49% |
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 | 13,839 | 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) | 13,839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,819 | $3.4M |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,718 | $3.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,718 | $3.2M |
| Other(7 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,819 | $5.4M |
| 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.