| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERREMEDY INSURANCE SERVICES Filed as: INTERREMEDY INSURANCE SERVICES, LLC | 315 MONTGOMERY STREET SUITE 900 SAN FRANCISCO, CA 94104 | WELLPOINT STOP LOSS | $47K | — | $47K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 86-0004538 NONE | Contract Administrator; Claims processing; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.7M |
| SOUTHWEST SERVICE ADMINISTRATOR EIN 86-0785790 NONE | Other fees; Plan Administrator Service code 14 | — | $1.6M |
| HORIZON ACTUARIAL SERVICES EIN 26-1370698 NONE | Actuarial; Consulting (general) Service code 11 | — | $223K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general); Actuarial Service code 11 | — | $194K |
| SEYFARTH SHAW LLP EIN 36-2152202 NONE | Legal Service code 29 | — | $164K |
| MCCRACKEN STEMERMAN & HOLSBERRY EIN 94-1709555 NONE | Legal Service code 29 | — | $80K |
| HENNINGFIELD & ASSOC., INC. EIN 54-2189926 NONE | Accounting (including auditing) Service code 10 | — | $54K |
| VISION SERVICE PLAN EIN 23-7089668 NONE | Insurance services Service code 23 | — | $51K |
| US BANK EIN 31-0841368 NONE | Custodial (securities) Service code 19 | — | $32K |
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 | 11,124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 143 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | WELLPOINT STOP LOSS | 5,490 | $945K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,490 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.