| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN, INC. | $51K | $0 | $51K | 5.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS. ADMIN., INC. | 721 SOUTH PARKER STREET, SUITE 300 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN, INC. | $20K | $0 | $20K | 2.16% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | $0 | $29K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS. ADMIN., INC. | 721 SOUTH PARKER STREET, SUITE 300 ORANGE, CA 92868 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 2.00% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | UNITEDHEALTHCARE OF CALIFORNIA | $17K | — | $17K | 5.00% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 10.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.49% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 14.43% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $313 | $2K | $3K | 3.10% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC | 2290 HUNTINGTON DRIVE, SUITE 200 SAN MARINO, CA 91108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $847 | $847 | 0.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS. ADMIN., INC. | 721 SOUTH PARKER STREET, SUITE 300 ORANGE, CA 92868 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.00% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.83% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $104 | — | $104 | 0.38% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | UNUM INSURANCE COMPANY | $5K | $0 | $5K | 21.25% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $0 | $243 | $243 | 1.10% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC | 2290 HUNTINGTON DRIVE, SUITE 200 SAN MARINO, CA 91108 | UNUM INSURANCE COMPANY | $0 | $232 | $232 | 1.05% |
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 | 383 | 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) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 201 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $136K |
| Vision | VISION SERVICE PLAN | 214 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 383 | $89K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 383 | $89K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 383 | $89K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 201 | $1.9M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 383 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.