| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SVCS OF CA INC | 1277 TREAT BLVD STE 400 WALNUT CREEK, CA 945977986 | KAISER FOUNDATION HEALTH PLAN, INC. | $36K | — | $36K | 4.81% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PKWY ALPHARETTA, GA 30022 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $40K | — | $40K | 6.97% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PKWY JOHNS CREEK, GA 30022 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 4.06% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 3.43% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 3.43% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PKWY JOHNS CREEK, GA 30022 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 4.06% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 3.44% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PKWY JOHNS CREEK, GA 30022 | STANDARD INSURANCE COMPANY | $30K | — | $30K | 6.80% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | $24K | — | $24K | 5.53% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PKWY JOHNS CREEK, GA 30022 | STANDARD INSURANCE COMPANY | $27K | — | $27K | 20.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | $23 | — | $23 | 0.02% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SVCS OF CA INC | 1277 TREAT BLVD STE 400 WALNUT CREEK, CA 945977986 | KAISER FOUNDATION HEALTH PLAN, INC | $5K | — | $5K | 4.70% |
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 | 3,970 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 3,326 | $1.4M |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 3,326 | $578K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 3,326 | $578K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,970 | $435K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,597 | $440K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,110 | $450K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 153 | $849K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,970 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.