| 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 | KAISER FOUNDATION HEALTH PLAN, INC. | $83K | $0 | $83K | 1.33% |
| RELATION INSURANCE INC3 Filed as: RELATION INS. SVCS. OF CA | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN, INC. | $29K | $0 | $29K | 0.47% |
| RELATION INSURANCE INC3 Filed as: RELATION INS. SVCS. OF CA | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | HEALTHNET | $62K | $0 | $62K | 3.70% |
| RELATION INSURANCE INC3 Filed as: RELATION INS. SVCS. OF CA | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | DELTA DENTAL OF CALIFORNIA | $13K | $0 | $13K | 3.00% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.02% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $88 | $88 | 0.06% |
| BRITTANY LLOYD3 | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 9.94% |
| RELATION INSURANCE INC3 Filed as: RELATION INS. SVCS OF CA | 1277 TREAT BOULEVARD SUITE 400 WALNUT CREEK, CA 94597 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 5.82% |
| J & H FINANCIAL3 | 22948 VIA CEREZA, UNIT 4E MISSION VIEJO, CA 92691 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $535 | $3K | 3.77% |
| BRIAN ROBERT LLOYD3 Filed as: BRIAN LLOYD | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $810 | $2K | $3K | 3.06% |
| CASEY JAMES KUGLER3 Filed as: CASEY KUGLER | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $323 | $2K | $2K | 2.95% |
| STEPHANIE NOELLE KUGLER3 Filed as: STEPHANIE KUGLER | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $651 | $2K | 2.34% |
| RELATION INSURANCE INC3 Filed as: RELATION INS. SVCS OF CA | 1277 TREAT BOULEVARD SUITE 400 WALNUT CREEK, CA 94597 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $3K | $0 | $3K | 10.56% |
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 | 436 | 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) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 496 | $7.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 675 | $447K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 645 | $32K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 464 | $231K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 51 | $85K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 464 | $146K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 496 | $7.9M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 464 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 675 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.