| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PWY W VEVA 16, #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16, #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.91% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES OF CALI | 1277 TREAT BLVD STE 400 WALNUT CREEK, CA 94597 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 15.40% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 11.04% |
| RELATION INSURANCE INC3 Filed as: RELATION INSURANCDE SERVICES | 80 S. LAKE AVENUE, #600 PASADENA, CA 91101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $783 | — | $783 | 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 | 459 | 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) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $129K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 340 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,233 | $12K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,233 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,233 | — |
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.