| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAMHOM CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 3.19% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC | DBA BOHANNON INSURANCE AGENCY 4317 NORTHSTAR WAY, SUITE A MODESTO, CA 95356 | PREMIER ACCESS INSURANCE COMPANY | $1K | — | $1K | 12.91% |
| RELATION INSURANCE SERVICES OF CA3 | DBA BOHANNON 2290 HUNTINGTON DR, STE 200 SAN MARINO, CA 91108 | VISION SERVICE PLAN | $575 | — | $575 | 5.40% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2300 CONTRA COSTA BLVD STE 525 PLEASANT HILL, CA 94523 | VISION SERVICE PLAN | $197 | — | $197 | 1.85% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SUTTER HEALTH PLAN | 114 | $949K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 191 | $11K |
| Vision | VISION SERVICE PLAN | 60 | $11K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 56 | $97K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 56 | $97K |
| Prescription drug(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 114 | $853K |
| Other | AMERICAN FIDELITY ASSURANCE COMPANY | 56 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.