| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF CA INC | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | UNITEDHEALTHCARE INSURANCE COMPANY | $63K | $0 | $63K | 4.68% |
| SHARON A MARTIN-TOUSSAINT3 | 231 PRIMROSE AVENUE MOUNT VERNON, NY 10552 | AFLAC | $7K | $1K | $8K | 13.77% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DRIVE NEW ROCHELLE, NY 10804 | AFLAC | $4K | $700 | $5K | 7.78% |
| IVAN M SERVAIS3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $1K | $384 | $2K | 2.94% |
| ALAINE S. VANNESS3 Filed as: ALAINE S VANNESS | 1217 S SCHOOL STREET LODI, CA 95240 | AFLAC | $261 | $0 | $261 | 0.43% |
| DAVID B. KITCHEN3 Filed as: DAVID B KITCHEN | 5230 HARTER LANE LA CANADA FLINTRIDGE, CA 91011 | AFLAC | $152 | $0 | $152 | 0.25% |
| PETER JAMES SARANTIS3 | 5509 SNOWBRUSH DRIVE ROCKLIN, CA 95677 | AFLAC | $70 | $0 | $70 | 0.12% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INS SVCS INC & OTHERS | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $46 | $0 | $46 | 0.08% |
| IVAN M SERVAIS3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $2K | $238 | $2K | 14.41% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DRIVE NEW ROCHELLE, NY 10804 | AFLAC | $1K | $164 | $1K | 8.49% |
| SHARON A MARTIN-TOUSSAINT3 | 231 PRIMROSE AVENUE MOUNT VERNON, NY 10552 | AFLAC | $369 | $44 | $413 | 2.94% |
| MARITZA SANTIAGO3 | 1330 KEARNEY AVENUE, FLOOR 2 BRONX, NY 10465 | AFLAC | $86 | $0 | $86 | 0.61% |
| ALAINE S. VANNESS3 Filed as: ALAINE S VANNESS | 1217 SOUTH SCHOOL STREET LODI, CA 95240 | AFLAC | $37 | $0 | $37 | 0.26% |
| PERRY E MEDINA3 | 1128 WASHINGTON GRN NEW WINDSOR, NY 12553 | AFLAC | $20 | $0 | $20 | 0.14% |
| MICHELLE SANTIAGO3 Filed as: MICHELLE SANTIAGO & OTHER AGENTS | 1332 KEARNEY AVENUE, APARTMENT 2 BRONX, NY 10465 | AFLAC | $20 | $0 | $20 | 0.14% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF CA INC | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.62% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $50 | $50 | 0.38% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF CA INC | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $0 | $1K | 10.00% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $1.3M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 209 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $13K |
| Short-term disability(2 contracts) | AFLAC | 15 | $74K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $1.3M |
| Other(3 contracts, 2 carriers) | AFLAC | 186 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.