| 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 | $33K | $0 | $33K | 4.59% |
| HEFFEMAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $1K | $1K | 0.19% |
| PORTAL INSURANCE AGENCY, INC.3 | 1277 TREAT BOULEVARD, SUITE 650 WALNUT CREEK, CA 94597 | UNION SECURITY INSURANCE COMPANY | $6K | $0 | $6K | 8.17% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | UNION SECURITY INSURANCE COMPANY | $5K | $0 | $5K | 5.88% |
| RELATION INSURANCE SERVICES OF CA3 | 80 SOUTH LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | BLUE CROSS OF CALIFORNIA | $568 | $0 | $568 | 5.84% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC. | PO BOX 5356 FRESNO, CA 93755 | BLUE CROSS OF CALIFORNIA | $304 | $0 | $304 | 3.12% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | UDC DENTAL OF CALIFORNIA, INC. | $571 | $0 | $571 | 10.01% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 94 | $716K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 128 | $84K |
| Vision | UNION SECURITY INSURANCE COMPANY | 128 | $78K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 175 | $88K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 128 | $78K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 94 | $716K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 175 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
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.