| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAFORD BENEFIT CONSULTANTS3 Filed as: CRAFORD & CRAFORD | 990 FIFTH AVENUE SAN RAFAEL, CA 94901 | KAISER FOUNDATION HEALTH PLAN INC. | $413K | — | $413K | 7.05% |
| CRYSTAL & COMPANY3 | 32 OLD SLIP NEW YORK, NY 10005 | KAISER FOUNDATION HEALTH PLAN INC. | $222K | — | $222K | 3.79% |
| MICHAEL CRAFORD3 Filed as: MICHAEL D CRAFORD | 990 FIFTH AVENUE SAN RAFAEL, CA 94901 | ANTHEM BLUE CROSS | $3K | — | $3K | 3.12% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL IBC, LLC | 32 OLD SLIP NEW YORK, NY 10005 | ANTHEM BLUE CROSS | $3K | — | $3K | 2.60% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL IBC, LLC | 32 OLD SLIP, FLOOR 17 NEW YORK, NY 10005 | VISION SERVICE PLAN | $915 | — | $915 | 3.31% |
| CRAFORD BENEFIT CONSULTANTS3 Filed as: CRAFORD & CRAFORD | 990 FIFTH AVENUE SAN RAFAEL, CA 94901 | VISION SERVICE PLAN | $467 | — | $467 | 1.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN RIVER BENEFIT ADMIN. EIN 68-0134480 PARTY-IN-INTEREST | Direct payment from the plan; Contract Administrator Service code 13 | — | $217K |
| MARIN BUILDERS ASSOCIATION EIN 94-1415040 PARTY-IN-INTEREST | Direct payment from the plan; Other services Service code 49 | — | $136K |
| NORTH COAST BUILDERS EXCHANGE EIN 94-1262984 PARTY-IN-INTEREST | Direct payment from the plan; Other services Service code 49 | — | $135K |
| B.E.A.M.S., INC. EIN 68-0244529 PARTY-IN-INTEREST | Other services; Direct payment from the plan Service code 49 | — | $96K |
| PISENTI & BRINKER LLP EIN 94-1585562 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $22K |
| BAY AREA BUILDERS EXCHANGE EIN 94-0348020 PARTY-IN-INTEREST | Other services; Direct payment from the plan Service code 49 | — | $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 | 610 | 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) | 610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,080 | $6.0M |
| Vision | VISION SERVICE PLAN | 272 | $28K |
| Life insurance | ANTHEM BLUE CROSS | 750 | $98K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,080 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,080 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.