| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SVCS OF CA, INC. | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 2.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 501 CORPORATE CENTRE DRIVE SUITE 300 FRANKLIN, TN 37067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.50% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SVCS OF CA, INC. | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $0 | $3K | 2.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | UNKNOWN LINCOLNSHIRE, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $0 | $2K | 2.02% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SVCS OF CA, INC. | 2300 CONTRA COSTA BOULEVARD PLEASANT HILL, CA 94523 | HARTFORD LIFE AND ACCIDENT | $9K | $0 | $9K | 9.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC. | 501 CORPORATE CENTRE DRIVE SUITE 300 FRANKLIN, TN 37067 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 5.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 1.19% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $117 | $117 | 0.12% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SVCS OF CA, INC. | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $0 | $13K | 30.04% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS, INC. | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $360 | $12K | 28.18% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SVCS OF CA, INC. | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | UNITEDHEALTHCARE INSURANCE COMPANY | $765 | $0 | $765 | 2.88% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | $565 | $0 | $565 | 2.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | ARAG INSURANCE COMPANY | $207 | $0 | $207 | 5.01% |
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 | 626 | 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) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 390 | $110K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 388 | $27K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 626 | $141K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 626 | $141K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 658 | $98K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 626 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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."
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.