| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 | 948 11TH STREET, SUITE 11 MODESTO, CA 95354 | SUTTER HEALTH PLAN | $125K | $0 | $125K | 4.99% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC | 520 CAPITOL MALL, SUITE 500 SACRAMENTO, CA 95814 | HUMANA INSURANCE COMPANY | $28K | $0 | $28K | 13.62% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 1.22% |
| RELATION INSURANCE SERVICES OF CA3 | 2290 HUNTINGTON DRIVE, SUITE 200 SAN MARINO, CA 91108 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $114 | $9K | 15.55% |
| EMERSON REID LLC3 Filed as: EMERSON REDID & CO INC | 1787 SENTRY PARKWAY WEST SUITE 200, BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $665 | $5K | 8.79% |
| RELATION INSURANCE SERVICES OF CA3 | 1700 STANDIFORD AVENUE MODESTO, CA 95350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 7.64% |
| BARRY W MAAS3 Filed as: BARRY W. MAAS | 1272 WEST MORAGA ROAD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $732 | $4K | 6.10% |
| THERESA NETTO PHILLIPS3 | 6219 SOUTH CLARA AVENUE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $355 | $3K | 5.01% |
| MARIESALA JUNE ROJAS-MARAVILLO3 | 16423 INDIANOLA AVENUE KINGSBURG, CA 93631 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $81 | $1K | 2.26% |
| ROSE RODRIQUEZ CUEVAS3 | 1675 SOUTH FRANKWOOD AVENUE REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $830 | $39 | $869 | 1.47% |
| WILLIAM WAYNE STIGILE3 | 436 KENDAL LOOP KALISPELL, MT 59901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $0 | $141 | 0.24% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUTTER HEALTH PLAN | 441 | $2.5M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 688 | $263K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 688 | $60K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 330 | $59K |
| Prescription drug | SUTTER HEALTH PLAN | 441 | $2.5M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 330 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 688 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.