| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN INC | $124K | $0 | $124K | 5.40% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | DELTA DENTAL OF CALIFORNIA | $215K | $0 | $215K | 18.00% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | VISION SERVICE PLAN | $22K | $0 | $22K | 18.19% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | CHINESE COMMUNITY HEALTH PLAN | $5K | $0 | $5K | 6.00% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | LANDMARK HEALTHPLAN | $7K | $0 | $7K | 20.00% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.99% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 650 WALNUT CREEK, CA 94597 | MANAGED HEALTH NETWORK | $9K | $0 | $9K | 50.35% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 650 WALNUT CREEK, CA 94597 | HEALTH NET LIFE INSURANCE COMPANY | $8K | $0 | $8K | 59.70% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | DELTA DENTAL OF CALIFORNIA | $2K | $0 | $2K | 20.00% |
| PORTAL INSURANCE AGENCY, INC.3 Filed as: PORTAL INSURANCE AGENCY INC | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | MESVISION | $248 | $0 | $248 | 5.01% |
| PORTAL INSURANCE AGENCY, INC.3 Filed as: PORTAL INSURANCE AGENCY INC | 80 SOUTH LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $691 | $0 | $691 | 20.95% |
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 | 1,630 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 349 | $2.4M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 1,540 | $1.2M |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 796 | $152K |
| Life insurance | STANDARD INSURANCE COMPANY | 613 | $211K |
| Long-term disability | STANDARD INSURANCE COMPANY | 613 | $211K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 349 | $2.4M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 647 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,540 | — |
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.