| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | COMMUNITY CARE HEALTH | $64K | $0 | $64K | 5.72% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $396 | $2K | 8.30% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SERVICES OF CA INC | 87 E GREEN STREET, SUITE 206 PASADENA, CA 91105 | AFLAC | $597 | $0 | $597 | 18.69% |
| ETHNE AUSTEN3 | 6830 E PRINCETON AVENUE FRESNO, CA 93727 | AFLAC | $322 | $38 | $360 | 11.27% |
| LORRIE ANN RODRIGUEZ3 Filed as: LORRIE RODRIGUEZ | 2377 W SHAW AVENUE, SUITE 104 FRESNO, CA 93711 | AFLAC | $201 | $6 | $207 | 6.48% |
| ILIC-STONE INS SERVICES INC3 | 1255 W SHAW AVENUE, SUITE 100A FRESNO, CA 93711 | AFLAC | $30 | $6 | $36 | 1.13% |
| MELANIE A BERGMAN3 Filed as: MELANIE BERGMAN | 561 W MINARETS AVENUE CLOVIS, CA 93611 | AFLAC | $11 | $0 | $11 | 0.34% |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY CARE HEALTH | 221 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $28K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $28K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $31K |
| Prescription drug | COMMUNITY CARE HEALTH | 221 | $1.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.