| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 | 620 WEST CROMWELL AVENUE FRESNO, CA 93711 | AETNA HEALTH OF CALIFORNIA INC. | $32K | $0 | $32K | 2.79% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | AETNA HEALTH OF CALIFORNIA INC. | $9K | $6K | $16K | 1.38% |
| UBF INSURANCE SERVICES, INC.3 Filed as: UBF INSURANCE SERVICES INC | 2033 NORTH MAIN STREET, SUITE 700 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $0 | $13K | 2.43% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN INC | $5K | $1 | $5K | 0.88% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $8K | $0 | $8K | 1.51% |
| RELATION INSURANCE SERVICES OF CA3 | 620 WEST CROMWELL AVENUE FRESNO, CA 93711 | AETNA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 4.57% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD WALNUT CREEK, CA 94597 | AETNA LIFE INSURANCE COMPANY | $5K | $26 | $5K | 1.71% |
| UBF INSURANCE SERVICES, INC.3 Filed as: UBF INSURANCE SERVICES INC | 2033 NORTH MAIN STREET, SUITE 700 WALNUT CREEK, CA 94596 | PREMIER ACCESS INSURANCE COMPANY | $1K | $0 | $1K | 5.88% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | PREMIER ACCESS INSURANCE COMPANY | $359 | $0 | $359 | 1.42% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | HARTFORD LIFE AND ACCIDENT | $640 | $0 | $640 | 16.56% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 231 | $2.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 231 | $293K |
| Vision | AETNA LIFE INSURANCE COMPANY | 231 | $268K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 98 | $4K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 231 | $1.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 98 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.