| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN, INC. | $124K | $0 | $124K | 4.94% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN, INC. | $20K | $0 | $20K | 0.80% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 600 MONTGOMERY STREET, SUITE 1600 SAN FRANCISCO, CA 94111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 10.00% |
| SFBAG EMPLOYEE BENEFIT INS. SVCS.3 Filed as: SFBAG EMPLOYEE BENEFITS INSURARANCE | 600 MONTGOMERY STREET, SUITE 1600 SAN FRANCISCO, CA 94111 | DELTA DENTAL OF CALIFORNIA | $22K | $0 | $22K | 5.95% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | DELTA DENTAL OF CALIFORNIA | $4K | $0 | $4K | 1.04% |
| SFBAG EMPLOYEE BENEFIT INS. SVCS.3 Filed as: SFBAG EMPLOYEE BENEFITS INSURARANCE | 600 MONTGOMERY STREET, SUITE 1600 SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $2K | — | $2K | 2.48% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | VISION SERVICE PLAN | $99 | — | $99 | 0.11% |
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 | 1,039 | 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) | 1,039 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 207 | $2.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 657 | $376K |
| Vision | VISION SERVICE PLAN | 559 | $91K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,039 | $400K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,039 | $400K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,039 | $400K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 207 | $2.5M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,039 | $400K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,039 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.