| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD SUITE 400 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN, INC. | $39K | $0 | $39K | 4.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN, INSURANCE ADMIN | 721 SOUTH PARKER STREET, SUITE 300 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN, INC. | $16K | $0 | $16K | 2.06% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN, INSURANCE ADMIN | 721 SOUTH PARKER STREET, SUITE 300 ORANGE, CA 92868 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 2.00% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD SUITE 400 WALNUT CREEK, CA 94597 | UNITEDHEALTHCARE OF CALIFORNIA | $17K | $0 | $17K | 5.00% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD SUITE 400 WALNUT CREEK, CA 94597 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $14K | 13.58% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.00% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 14.39% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN, INSURANCE ADMIN | 721 SOUTH PARKER STREET, SUITE 300 ORANGE, CA 92868 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.00% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $288 | — | $288 | 1.25% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 15.69% |
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 | 323 | 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) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 159 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $103K |
| Vision | VISION SERVICE PLAN | 157 | $23K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $74K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $74K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $74K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 159 | $1.6M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 284 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.