| 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 | BLUE SHIELD OF CALIFORNIA | — | $43K | $43K | 2.42% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | BLUE SHIELD OF CALIFORNIA | — | $31K | $31K | 1.74% |
| VILLANE WARD INSURANCE SERVICES3 | 620 W. CROMWELL AVENUE, #106 FRESNO, CA 93711 | AMERITAS | $4K | $2K | $7K | 6.53% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 12777 TREAT BLVD., #400 WALNUT CREEK, CA 945977986 | AMERITAS | $6K | — | $6K | 5.76% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | BLUE SHIELD OF CALIFORNIA | $570 | — | $570 | 2.89% |
| VILLANE WARD INSURANCE SERVICES3 | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | BLUE SHIELD OF CALIFORNIA | $417 | — | $417 | 2.11% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 230 | $1.8M |
| Dental | AMERITAS | 418 | $102K |
| Life insurance | BLUE SHIELD OF CALIFORNIA | 0 | $20K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 230 | $1.8M |
| Other | BLUE SHIELD OF CALIFORNIA | 0 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.