No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Contract Administrator; Other services; Direct payment from the plan Service code 13 | — | $525K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $59K |
| CORPORATE MAIL SERVICES NONE | Direct payment from the plan; Other services Service code 49 | PO BOX 192110 SAN FRANCISCO, CA 941192110 | $39K |
| WEINBERG, ROGER & ROSENFELD EIN 94-3019439 NONE | Legal; Direct payment from the plan Service code 29 | — | $24K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| QUEST INVESTMENT MANAGEMENT EIN 93-0880854 NONE | Non-monetary compensation; Investment management; Investment management fees paid directly by plan Service code 28 | — | $10K |
| TOPAZ PRINTING NONE | Direct payment from the plan; Other services Service code 49 | 24191 MACHADO COURT HAYWARD, CA 945414556 | $8K |
| US BANK EIN 31-0841368 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $5K |
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 | 13,930 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,296 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 7,374 | $268K |
| Dental(3 contracts, 2 carriers) | DENTAL HEALTH SERVICES | 4,932 | $653K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 5,524 | $853K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,282 | $39K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 14 | $15K |
| Other(7 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,942 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,374 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.