| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICE, INC. | 10425 S 82ND EAST AVENUE SUITE 110 TULSA, OK 74133 | COMMUNITY CARE | $42K | — | $42K | 3.71% |
| RELATION INSURANCE SERVICES OF CA Filed as: RELATION INSURANCE SERVICES, INC. | 10425 S 82ND E AVE, SUITE 110 TULSA, OK 74133 | DELTA DENTAL | $10K | $7K | $17K | 17.01% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 10425 S 82ND E AVE STE 110 TULSA, OK 74133 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 14.23% |
| CENTRO BENEFITS RESEARCH LLC | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.00% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY CARE | 179 | $1.1M |
| Dental | DELTA DENTAL | 89 | $102K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $98K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $98K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $98K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.