No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGREGOR AND ASSOCIATES EIN 26-1478031 PLAN ADMINISTRATOR | Copying and duplicating; Plan Administrator; Direct payment from the plan Service code 14 | 1843 HOTEL CIRCLE SOUTH 300 SAN DIEGO, CA 92108 | $182K |
| REICH, ADELL & CVITAN EIN 95-3082677 N/A | Direct payment from the plan; Legal Service code 29 | 3550 WILSHIRE BLVD, STE. 2000 LOS ANGELES, CA 90010 | $22K |
| MOSS ADAMS, LLP EIN 91-0189318 N/A | Direct payment from the plan; Accounting (including auditing) Service code 10 | 4747 EXECUTIVE DRIVE, SUITE 1300 SAN DIEGO, CA 92121 | $19K |
| LINCOLN INVESTMENT PLANNING, LLC EIN 23-1702591 N/A | Investment management; Direct payment from the plan Service code 28 | 601 OFFICE CENTER DRIVE, SUITE 300 FORT WASHINGTON, PA 19034 | $11K |
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 | 743 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 186 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTH CARE | 486 | $8.3M |
| Dental | GUARDIAN LIFE INSURANCE OF AMERICA | 718 | $454K |
| Vision | GUARDIAN LIFE INSURANCE OF AMERICA | 718 | $118K |
| Life insurance | GUARDIAN LIFE INSURANCE OF AMERICA | 730 | $45K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTH CARE | 486 | $8.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.