| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYSTAL & COMPANY3 | 32 OLD SLIP NEW YORK, NY 10005 | KAISER FOUNDATION HEALTH PLAN INC | $418K | — | $418K | 6.70% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $214K | — | $214K | 66.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | VISION SERVICE PLAN | $1K | — | $1K | 4.67% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP, 17TH FL NEW YORK, NY 10005 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $604 | — | $604 | 5.07% |
| RSC INSURANCE BROKERAGE INC3 | 700 AIRPORT BLVD, SUITE 300 BURLINGAME, CT 94010 | KAISER FOUNATION HEATLH PLAN INC | $202 | — | $202 | 5.72% |
| CRAFORD BENEFIT CONSULTANTS3 Filed as: CRAFORD & CRAFORD | 990 5TH AVENUE SAN RAFAEL, CA 94901 | KAISER FOUNATION HEATLH PLAN INC | $45 | — | $45 | 1.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 CONTRACT ADMINSTRATOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Claims processing Service code 12 | — | $475K |
| AMERICAN RIVER BENEFIT ADMIN. EIN 68-0134480 PARTY-IN-INTEREST | Direct payment from the plan; Contract Administrator Service code 13 | — | $189K |
| NORTH COAST BUILDERS EXCHANGE EIN 94-1262984 PARTY-IN-INTEREST | Direct payment from the plan; Other services Service code 49 | — | $141K |
| MARIN BUILDERS ASSOCATION EIN 94-1415040 PARTY-IN-INTEREST | Other services; Direct payment from the plan Service code 49 | — | $129K |
| B.E.A.M.S., INC. EIN 68-0244529 PARTY-IN-INTEREST | Other services; Direct payment from the plan Service code 49 | — | $83K |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 CONTRACT ADMINISTRATOR | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing Service code 12 | — | $49K |
| BAY AREA BUILDERS EXCHANGE EIN 94-0348020 PARTY IN INTEREST | Other services; Direct payment from the plan Service code 49 | — | $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 | 1,123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,023 | $6.6M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 263 | $39K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 263 | $320K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,023 | $6.6M |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 263 | $320K |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 263 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,023 | — |
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.