| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERNATIVE RISK SOLUTIONS LLC3 Filed as: ALTERNATIVE RISK SOLUTIONS | 101 2ND STREET, SUITE 100 PETALUMA, CA 94952 | SYMETRA LIFE INSURANCE COMPANY | $0 | $192K | $192K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $3.8M |
| SMITH CONSULTING, LLC EIN 81-0789832 CONSULTING | Consulting (general) Service code 16 | — | $312K |
| CVS HEALTH EIN 05-0340626 PHARMACY BENEFITS MANAGER | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $302K |
| HARMONY PHC EIN 04-3290453 SERVICE PROVIDER | Other services; Contract Administrator Service code 13 | — | $252K |
| LIBERTY DENTAL PLAN OF NEVADA, INC. EIN 26-0424586 CLAIMS PROCESSING | Claims processing; Other services Service code 12 | — | $247K |
| SUN LIFE ASSURANCE OF CANADA EIN 38-1082080 CLAIMS PROCESSING | Claims processing Service code 12 | — | $198K |
| VISION SERVICE PLAN EIN 23-7089668 CLAIMS PROCESSING | Claims processing Service code 12 | — | $80K |
| THE WELLNESS GROUP LLC EIN 26-4394907 OTHER SERVICES | Other services Service code 49 | — | $25K |
| TOWERS WATSON PENNSYLVANIA INC. EIN 23-1159360 ACTUARIAL | Actuarial Service code 11 | — | $15K |
| WIPFLI LLP EIN 39-0758449 OUTSIDE AUDITOR | Accounting (including auditing) Service code 10 | — | $9K |
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 | 11,203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 350 | $20K |
| Dental | LIBERTY DENTAL PLAN OF NEVADA, INC. | 2,476 | $757K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 9,460 | $2.2M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,282 | $1.5M |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 404 | $4.2M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 9,460 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,460 | — |
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.