No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFIC SOUTHWEST ADMINISTRATORS EIN 46-4942970 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $57K |
| KENNEDY LAW FIRM NONE | Legal; Direct payment from the plan Service code 29 | 3444 CAMINO DEL RIO N STE 106 SAN DIEGO, CA 92108 | $44K |
| OXFORD RISK MANAGEMENT EIN 95-1997338 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $18K |
| MILLER KAPLAN ARASE LLP EIN 95-2036225 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $16K |
| MELISSA COOK & ASSOCIATES EIN 95-3245809 NONE | Legal; Direct payment from the plan Service code 29 | — | $14K |
| US BANK EIN 31-0841368 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $11K |
| MILLIMAN, INC EIN 91-0675641 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $11K |
| ALSWEET ASSOCIATES EIN 95-2766134 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $10K |
| MUIG - UNION BANK EIN 94-0304228 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $8K |
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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER PERMANENTE | 589 | $3.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 125 | $24K |
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 252 | $27K |
| Other(2 contracts, 2 carriers) | UNION LABOR LIFE INSURANCE COMPANY | 252 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.
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.