| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VISION SERVICE PLAN3 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | — | $12K | $12K | 10.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES, INC. | 7272 E INDIAN SCHOOL RD., STE 415 SCOTTSDALE, AZ 85251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 7.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Claims processing; Non-monetary compensation; Direct payment from the plan Service code 12 | — | $510K |
| THE SEGAL COMPANY (MIDWEST), INC EIN 13-1975125 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $87K |
| KOVITZ INVESTMENT GROUP EIN 91-2198169 NONE | Direct payment from the plan; Investment management Service code 28 | — | $82K |
| TIC INTERNATIONAL CORPORATION EIN 36-3332983 NONE | Copying and duplicating; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $68K |
| ASB CAPITAL MANAGEMENT LLC EIN 27-0185492 NONE | Direct payment from the plan; Investment management Service code 28 | — | $40K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| MEKETA INVESTMENT GROUP, INC EIN 04-2659023 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $16K |
| EMPLOYEE RESOURCE SERVICES, INC EIN 36-3867645 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $15K |
| BMO HARRIS BANK NA EIN 36-2085229 NONE | Other investment fees and expenses; Securities brokerage commissions and fees; Custodial (securities); Finders' fees / placement fees; Float revenue Service code 19 | — | $10K |
| ASHER, GITTLER & D'ALBA EIN 36-2786883 NONE | Legal; Direct payment from the plan Service code 29 | — | $7K |
| UNION SERVICES AGENCY EIN 38-3297465 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $7K |
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 | 718 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 767 | $32K |
| Vision | VISION SERVICE PLAN | 707 | $115K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 704 | $57K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 704 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 767 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.