| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN INC. | $55K | — | $55K | 2.61% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | — | $7K | 1.38% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | — | $48K | 13.77% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W BUILDING 16, SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 4.59% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD., SUITE 400 WALNUT CREEK, CA 94597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.10% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 945977986 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $395 | $3K | 6.39% |
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 | 490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 261 | $4.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 765 | $347K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 712 | $42K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 765 | $347K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 765 | $347K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 765 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 765 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.