| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | DELTA DENTAL | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SO CA PIPE TRADES ADMIN CORP EIN 95-4557526 PARTY IN INTEREST | Plan Administrator; Direct payment from the plan Service code 14 | — | $755K |
| NATIONAL INVESTMENT SERVICES EIN 80-0169636 NONE | Investment management; Direct payment from the plan Service code 28 | — | $76K |
| MILLER KAPLAN ARASE & CO. EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $52K |
| RAEL & LETSON EIN 94-1701048 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $39K |
| RISING MEDICAL SOLUTIONS LLC EIN 36-4276352 NONE | Other fees; Consulting (general) Service code 16 | — | $22K |
| LAQUER URBAN CLIFFORD & HODGE LLP EIN 95-4047729 NONE | Legal; Direct payment from the plan Service code 29 | — | $18K |
| GOVERNMENT HEALTH INCORPORATED NONE | Claims processing; Direct payment from the plan Service code 12 | PO BOX 13334 NEWARK, NJ 07101 | $16K |
| BERNARD KOTKIN & CO., LLP EIN 95-2556670 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $10K |
| US BANK EIN 31-0841368 NONE | Trustee (bank, trust company, or similar financial institution); Float revenue Service code 21 | — | $9K |
| O'DONOGHUE & O'DONOGHUE EIN 53-0125018 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
| NEW ENGLAND PENSION CONSULTANTS EIN 04-2927339 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $6K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,079 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,079 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 822 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 822 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.