| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE GLENDALE, CA 91203 | UNITED HEALTHCARE INSURANCE COMPANY | $137K | $22K | $160K | 5.04% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 4.32% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | — | $7K | 3.31% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | STANDARD INSURANCE COMPANY | $12K | $2K | $14K | 13.17% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | STANDARD INSURANCE COMPANY | $8K | $1K | $9K | 12.97% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | GUARDIAN | $22K | $635 | $23K | 35.68% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | VISION SERVICE PLAN | $4K | — | $4K | 10.00% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | STANDARD INSURANCE COMPANY | $3K | $694 | $4K | 14.57% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 20.00% |
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 | 389 | 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) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 491 | $3.8M |
| Dental | GUARDIAN | 389 | $64K |
| Vision | VISION SERVICE PLAN | 370 | $36K |
| Life insurance | STANDARD INSURANCE COMPANY | 401 | $104K |
| Short-term disability | STANDARD INSURANCE COMPANY | 401 | $28K |
| Long-term disability | STANDARD INSURANCE COMPANY | 401 | $72K |
| Prescription drug(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 491 | $3.8M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 423 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.