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| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANY EIN 35-0781558 NONE | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing Service code 12 | — | $10.6M |
| BUSINESSSOLVER.COM, INC. EIN 42-1503807 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.2M |
| VISION SERVICE PLAN EIN 22-2777159 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $141K |
| LINCOLN NATIONAL LIFE INSURANCE CO. EIN 35-0472330 NONE | Direct payment from the plan; Insurance services; Claims processing Service code 12 | — | $114K |
| WOODRUFF-SAWYER & CO. EIN 94-1625126 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 220 BUSH STREET 7TH FLOOR SAN FRANCISCO, CA 94104 | $0 |
| CVSHEALTH EIN 05-0340626 NONE | Claims processing; Direct payment from the plan Service code 12 | — | -$1.6M |
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 | 18,705 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 282 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,987 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 389 | $10.0M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 30,395 | $11.5M |
| Vision | HAWAII MEDICAL SERVICE ASSOCIATION | 1 | $8K |
| Life insurance(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,550 | $12.3M |
| Short-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,466 | $3.1M |
| Long-term disability(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,900 | $5.6M |
| Prescription drug(13 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 389 | $10.0M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANY, INC. | 28,583 | $8.1M |
| Other(8 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18,705 | $15.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,395 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.