No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Contract Administrator Service code 13 | — | $517K |
| CORPORATE MAIL SERVICES NONE | Copying and duplicating Service code 36 | PO BOX 192110 SAN FRANCISCO, CA 941192110 | $94K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general) Service code 16 | — | $59K |
| TOPAZ PRINTING NONE | Copying and duplicating Service code 36 | 24191 MACHADO COURT HAYWARD, CA 945414556 | $52K |
| WEINBERG, ROGER & ROSENFELD EIN 94-3019439 NONE | Legal Service code 29 | — | $24K |
| OPTUM HEALTH CARE SOLUTIONS EIN 41-1591944 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $20K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $19K |
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 | 13,538 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 3,210 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | 6,631 | $648K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 4,549 | $462K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,784 | $48K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 14 | $1K |
| Other(5 contracts, 2 carriers) | TRUSTMARK LIFE INSURANCE COMPANY | 1,228 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,631 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.