| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE GLENDALE, CA 91203 | UNITED HEALTHCARE INSURANCE COMPANY | $123K | — | $123K | 3.17% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | KAISER FOUNDATION HEALTH PLAN INC. | $19K | — | $19K | 3.65% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | — | $7K | 4.00% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | STANDARD INSURANCE COMPANY | $22K | $839 | $22K | 15.46% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | STANDARD INSURANCE COMPANY | $16K | $579 | $17K | 15.54% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | GUARDIAN | $26K | $111 | $26K | 34.71% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | STANDARD INSURANCE COMPANY | $11K | $202 | $11K | 15.28% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | VISION SERVICE PLAN | $5K | — | $5K | 10.00% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | STANDARD INSURANCE COMPANY | $7K | $187 | $7K | 20.56% |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 535 | $4.6M |
| Dental | GUARDIAN | 423 | $74K |
| Vision | VISION SERVICE PLAN | 396 | $54K |
| Life insurance | STANDARD INSURANCE COMPANY | 437 | $145K |
| Short-term disability | STANDARD INSURANCE COMPANY | 437 | $71K |
| Long-term disability | STANDARD INSURANCE COMPANY | 437 | $108K |
| Prescription drug(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 535 | $4.6M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 465 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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.