| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYSTAL & COMPANY3 | 32 OLD SLIP NEW YORK, NY 10005 | KAISER FOUNDATION HEALTH PLAN INC | $381K | — | $381K | 6.80% |
| CRAFORD BENEFIT CONSULTANTS3 Filed as: CRAFORD & CRAFORD | 990 5TH AVENUE SAN RAFAEL, CA 94901 | KAISER FOUNDATION HEALTH PLAN INC | -$9 | — | -$9 | -0.00% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $132K | $1K | $133K | 41.30% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP, 17TH FL NEW YORK, NY 10005 | VISION SERVICE PLAN | $928 | — | $928 | 4.15% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | VISION SERVICE PLAN | $190 | — | $190 | 0.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $415K |
| AMERICAN RIVER BENEFIT ADMIN. EIN 68-0134480 PARTY-IN-INTEREST | Direct payment from the plan; Contract Administrator Service code 13 | — | $184K |
| MARIN BUILDERS ASSOCATION EIN 94-1415040 PARTY-IN-INTEREST | Direct payment from the plan; Other services Service code 49 | — | $130K |
| NORTH COAST BUILDERS EXCHANGE EIN 94-1262984 PARTY-IN-INTEREST | Direct payment from the plan; Other services Service code 49 | — | $129K |
| B.E.A.M.S., INC. EIN 68-0244529 PARTY-IN-INTEREST | Direct payment from the plan; Other services Service code 49 | — | $88K |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $42K |
| HR WORKPLACE SERVICES, INC. EIN 27-1142694 NONE | Other services; Direct payment from the plan Service code 49 | — | $9K |
| BAY AREA BUILDERS EXCHANGE PARTY-IN-INTEREST | Direct payment from the plan; Other services Service code 49 | — | $9K |
| WORLDS LAW GROUP EIN 80-0462356 LAWYER | Direct payment from the plan Service code 50 | — | $5K |
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 | 1,172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,009 | $5.9M |
| Vision | VISION SERVICE PLAN | 232 | $22K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 266 | $322K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,009 | $5.9M |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 266 | $322K |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 266 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,009 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.