| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF CALIFORNIA | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN, INC. | $140K | $0 | $140K | 3.14% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | WESTERN HEALTH ADVANTAGE | $68K | — | $68K | 4.25% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF CALIFORNIA | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | $0 | $35K | 14.09% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF CALIFORNIA | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.12% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF CALIFORNIA | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | CALIFORNIA DENTAL NETWORK, INC. | $900 | — | $900 | 10.00% |
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 | 492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 576 | $6.0M |
| Dental | CALIFORNIA DENTAL NETWORK, INC. | 40 | $9K |
| Vision | VISION SERVICE PLAN | 357 | $70K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 492 | $251K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 492 | $251K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 492 | $251K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 576 | $6.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 492 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.