No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFIC FEDERAL LLC EIN 47-3302715 NONE | Contract Administrator; Consulting (general) Service code 13 | — | $907K |
| MILLIMAN NONE | Consulting (general) Service code 16 | 650 CALIFORNIA ST 17TH FL SAN FRANCISCO, CA 941082721 | $45K |
| WOHLNER KAPLON PHILLIPS YOUNG NONE | Legal Service code 29 | 16501 VENTURA BLVD STE 304 ENCINO, CA 914362067 | $17K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $13K |
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 | 2,421 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER PERMANENTE | 7,787 | $32.4M |
| Dental(4 contracts, 4 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 3,924 | $1.5M |
| Vision | DAVIS VISION (HM LIFE INSURANCE CO) | 7,717 | $421K |
| Life insurance | AETNA LIFE INSURANCE CO. | 2,445 | $82K |
| Other(3 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 3,924 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,787 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.