No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Other services; Direct payment from the plan; Contract Administrator Service code 13 | — | $524K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general); Direct payment from the plan; Actuarial; Insurance agents and brokers Service code 11 | — | $59K |
| CORPORATE MAIL SERVICES NONE | Direct payment from the plan; Other services Service code 49 | PO BOX 192110 SAN FRANCISCO, CA 941192110 | $34K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $32K |
| WEINBERG, ROGER & ROSENFELD EIN 94-3019439 NONE | Legal; Direct payment from the plan Service code 29 | — | $22K |
| QUEST INVESTMENT MANAGEMENT EIN 93-0880854 NONE | Investment management; Investment management fees paid directly by plan; Non-monetary compensation Service code 28 | — | $12K |
| TOPAZ PRINTING EIN 55-2279858 NONE | Direct payment from the plan; Other services Service code 49 | — | $7K |
| US BANK EIN 31-0841368 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $6K |
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 | 15,170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,193 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | DENTAL HEALTH SERVICES | 6,552 | $748K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 6,322 | $999K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,865 | $63K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 12 | $6K |
| Other(7 contracts, 4 carriers) | TRUSTMARK LIFE INSURANCE COMPANY | 2,077 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,552 | — |
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.