| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | AETNA LIFE INSURANCE COMPANY | $60K | — | $60K | 4.08% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE GLENDALE, CA 91203 | AETNA HEALTH, INC. | $53K | — | $53K | 4.02% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | KAISER FOUNDATION HEALTH PLAN INC. | $15K | — | $15K | 3.64% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 3.59% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | STANDARD INSURANCE COMPANY | $13K | $2K | $16K | 16.30% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | STANDARD INSURANCE COMPANY | $9K | $2K | $11K | 16.17% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | GUARDIAN | $19K | $452 | $20K | 35.30% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | STANDARD INSURANCE COMPANY | $4K | $867 | $5K | 16.52% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | STANDARD INSURANCE COMPANY | $2K | $317 | $3K | 22.73% |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 544 | $3.4M |
| Dental | GUARDIAN | 372 | $56K |
| Vision | AETNA LIFE INSURANCE COMPANY | 544 | $1.5M |
| Life insurance | STANDARD INSURANCE COMPANY | 384 | $98K |
| Short-term disability | STANDARD INSURANCE COMPANY | 384 | $28K |
| Long-term disability | STANDARD INSURANCE COMPANY | 384 | $66K |
| Prescription drug(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 544 | $3.4M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 544 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.