| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF CA, INC. | 620 WEST CROMWELL AVENUE FRESNO, CA 93711 | AETNA HEALTH OF CALIFORNIA INC. | $17K | $0 | $17K | 2.88% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF CA, INC. | 2300 CONTRA COSTA BOULEVARD SUITE 52 PLEASANT HILL, CA 94523 | AETNA HEALTH OF CALIFORNIA INC. | $12K | $0 | $12K | 2.07% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF CA, INC. | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 11.65% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 80 SOUTH LAKE AVENUE PASADENA, CA 91101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 8.91% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF CA, INC. | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 6.09% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $29 | $29 | 0.08% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF CA, INC. | 2300 CONTRA COSTA BOULEVARD SUITE 52 PLEASANT HILL, CA 94523 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $1K | $0 | $1K | 9.91% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC. | 500 YGNACIO VALLEY ROAD SUITE 450 WALNUT CREEK, CA 94596 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $552 | $552 | 4.95% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH OF CALIFORNIA INC. | 84 | $597K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 60 | $64K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 103 | $11K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 164 | $35K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 60 | $64K |
| Prescription drug | AETNA HEALTH OF CALIFORNIA INC. | 84 | $597K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.