| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD SUITE 400 WALNUT CREEK, CA 94597 | CAL CHOICE | $62K | — | $62K | 4.25% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS LLC | UNKNOWN WALNUT CREEK, CA 94596 | CAL CHOICE | $29K | — | $29K | 2.02% |
| JAMES DISERIO3 | 1746 GRAND CANAL BOULEVARD STOCKTON, CA 95207 | CAL CHOICE | $11K | — | $11K | 0.75% |
| RELATION INSURANCE SERVICES OF CA3 | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 8.50% |
| JAMES DISERIO3 | 1746 GRAND CANAL BOULEVARD SUITE 14B STOCKTON, CA 95207 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.50% |
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 | 290 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAL CHOICE | 204 | $1.5M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $101K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $101K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $101K |
| Prescription drug | CAL CHOICE | 204 | $1.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.