| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 | 2300 CONTRA COSTA BLVD STE 525 PLEASANT HILL, CA 94523 | UNITEDHEALTHCARE INSURANCE COMPANY | $94K | — | $94K | 4.55% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN INC. | $60K | — | $60K | 3.69% |
| RELATION INSURANCE SERVICES OF CA3 | 2300 CONTRA COSTA BLVD STE 525 PLEASANT HILL, CA 94523 | STANDARD INSURANCE COMPANY | $40K | — | $40K | 15.00% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | — | $9K | 3.64% |
| 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 | $14K | $341 | $15K | 16.68% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 19.46% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W BUILDING 16, SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $972 | $6K | 7.78% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 945977986 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 5.33% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 231 | $3.9M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 503 | $341K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 317 | $45K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $75K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $75K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 503 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.