| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES OF FL | 700 SE CENTRAL PARKWAY STUART, FL 34994 | AVERA HEALTH PLANS, INC | $26K | $0 | $26K | 1.67% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES OF FL | 700 SE CENTRAL PARKWAY STUART, FL 34994 | STANDARD INSURANCE COMPANY | $12K | $5K | $17K | 7.92% |
| PRIMEPAY3 | 1487 DUNWOOD DRIVE WEST CHESTER, PA 19380 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 1.93% |
| SYNCHR INC3 | 1601 WEWATTTA STREET, SUITE 750 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $0 | $357 | $357 | 0.16% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVERA HEALTH PLANS, INC | 176 | $1.5M |
| Dental | STANDARD INSURANCE COMPANY | 111 | $216K |
| Vision | STANDARD INSURANCE COMPANY | 111 | $216K |
| Life insurance | STANDARD INSURANCE COMPANY | 111 | $216K |
| Short-term disability | STANDARD INSURANCE COMPANY | 111 | $216K |
| Long-term disability | STANDARD INSURANCE COMPANY | 111 | $216K |
| Prescription drug | AVERA HEALTH PLANS, INC | 176 | $1.5M |
| Other | STANDARD INSURANCE COMPANY | 111 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.