| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD STE 400 WALNUT CREEK, CA 94597 | BLUE SHIELD OF CALIFORNIA | — | $81K | $81K | 0.53% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLSDALE BLVD., #201 SAN MATEO, CA 94402 | BLUE SHIELD OF CALIFORNIA | $32K | — | $32K | 0.21% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | BLUE SHIELD OF CALIFORNIA | — | $85 | $85 | 0.00% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | VISION SERVICE PLAN | $1K | — | $1K | 4.83% |
| RELATION INSURANCE INC3 Filed as: RELATIONS INSURANCE SERVICES | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.97% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $534 | — | $534 | 9.99% |
| ADMINISTRATIVE SOLUTIONS INC.3 Filed as: ADMINISTRATIVE SOLUTIONS | — | ADMINISTRATIVE SOLUTIONS | — | $30K | $30K | — |
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 | 411 | 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) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 336 | $15.4M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 411 | $11K |
| Vision | VISION SERVICE PLAN | 131 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $22K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 336 | $15.4M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.