| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MILLIMAN AGENCY INC Filed as: MILLIMAN CONSULTANTS & ACTUARIES | — | SIMNSA | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFIC FEDERAL LLC EIN 47-3302715 NONE | Contract Administrator; Consulting (general) Service code 13 | — | $968K |
| MILLIMAN NONE | Consulting (general) Service code 16 | 650 CALIFORNIA ST 17TH FL SAN FRANCISCO, CA 941082721 | $55K |
| WOHLNER KAPLON PHILLIPS YOUNG NONE | Legal Service code 29 | 16501 VENTURA BLVD STE 304 ENCINO, CA 914362067 | $20K |
| BLEIWEISS COMMUNICATIONS INC NONE | Direct payment from the plan Service code 50 | 4391 PARK MILANO CALABASAS, CA 91302 | $19K |
| 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 | 2,575 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER PERMANENTE | 7,864 | $33.1M |
| Dental(4 contracts, 4 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 3,788 | $2.0M |
| Vision | DAVIS VISION (HM LIFE INSURANCE CO) | 8,579 | $428K |
| Life insurance | AETNA LIFE INSURANCE CO. | 2,589 | $83K |
| Other(3 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 3,788 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,579 | — |
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.