| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE INC3 Filed as: RELATION INS SERVICES OF CALIFORNIA | — | CINGA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $79K | — | $79K | 3.61% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SERVICES OF CALIFORNIA | — | CINGA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $41K | — | $41K | 1.86% |
| CASSIDY O'HARA3 | — | CINGA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | — | $20K | 0.91% |
| CASSIDY O'HARA3 | — | CINGA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 0.43% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SERVICES OF CALIFORNIA | 1277 TREAT BLVD, SUITE 400 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | — | $12K | 1.88% |
| CASSIDY O'HARA3 | 1123 CHERRY AVE SAN JOSE, CA 95125 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 0.75% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD, SUITE 400 WALNUT CREEK, CA 94597 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 19.55% |
| CASSIDY O'HARA3 | 1633 HUSTED AVE SAN JOSE, CA 95125 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 6.41% |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CINGA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 493 | $2.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 329 | $194K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 329 | $194K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 329 | $194K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 329 | $194K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 329 | $194K |
| Prescription drug(2 contracts, 2 carriers) | CINGA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 493 | $2.8M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 329 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.