| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE INC3 Filed as: RELATION INS SERVICES OF CA INC | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | CALIFORNIA CHOICE | $22K | $0 | $22K | 3.09% |
| AMWINS3 | UNKNOWN LOS ANGELES, CA 90025 | CALIFORNIA CHOICE | $18K | $0 | $18K | 2.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | UNKNOWN LOS ANGELES, CA 90025 | CALIFORNIA CHOICE | $14K | $0 | $14K | 1.91% |
| RELATION INSURANCE INC3 Filed as: RELATION INS. SERVICES OF CA, INC | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | CALIFORNIA PHYSICIANS SERVICE | $4K | $0 | $4K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CALIFORNIA PHYSICIANS SERVICE | $0 | $931 | $931 | 2.31% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SERVICES OF CA INC | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $78 | $3K | 10.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $142 | $1K | 3.59% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2290 HUNTINGTON DRIVE, SUITE 200 SAN MARINO, CA 91108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $132 | $132 | 0.41% |
| RELATION INSURANCE INC3 Filed as: RELATION INS. SERVICES OF CA, INC | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | VISION SERVICE PLAN | $801 | $0 | $801 | 4.70% |
| MARSH & MCLENNAN AGENCY LLC3 | UNKNOWN LOS ANGELES, CA 90025 | VISION SERVICE PLAN | $545 | — | $545 | 3.20% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA CHOICE | 154 | $714K |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 135 | $40K |
| Vision | VISION SERVICE PLAN | 72 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $32K |
| Long-term disability(2 contracts, 2 carriers) | CALIFORNIA CHOICE | 154 | $746K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.