| 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 | $113K | $0 | $113K | 5.00% |
| RELATION INSURANCE SERVICES OF CA3 | 2300 CONTRA COSTA BOULEVARD PLEASANT HILL, CA 94523 | HUMANA INSURANCE COMPANY | $36K | $3K | $39K | 16.01% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 520 CAPITOL MALL, SUITE 500 SACRAMENTO, CA 95814 | HUMANA INSURANCE COMPANY | -$21 | $0 | -$21 | -0.01% |
| RELATION INSURANCE SERVICES OF CA3 | 1700 STANDIFORD AVENUE MODESTO, CA 95350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 6.59% |
| BARRY W MAAS3 Filed as: BARRY W. MAAS | 1272 WEST MORAGA ROAD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2 | $2K | 3.66% |
| THERESA NETTO PHILLIPS3 | 6219 SOUTH CLARA AVENUE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $11 | $2K | 3.23% |
| ROSE RODRIGUEZ CUEVAS3 | 1675 SOUTH FRANKWOOD AVENUE REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $805 | $33 | $838 | 1.54% |
| CELIFLORA THOMPSON3 | 4454 TERRA CORVO COURT MERCED, CA 95348 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $544 | $120 | $664 | 1.22% |
| MARIESALA MARAVILLO AND OTHER AGENT3 | 16423 INDIANOLA AVENUE KINGSBURG, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $11 | $88 | 0.16% |
| WILLIAM WAYNE STIGILE3 | 436 KENDALL LOOP KALISPELL, MT 59901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $0 | $79 | 0.15% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 2290 HUNTINGTON DRIVE, SUITE 200 SAN MARINO, CA 91108 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.74% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST SUITE 320, BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $642 | $3K | 7.79% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUTTER HEALTH PLAN | 379 | $2.3M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 636 | $278K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 636 | $33K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 179 | $54K |
| Prescription drug | SUTTER HEALTH PLAN | 379 | $2.3M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 179 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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.