| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MILLIMAN AGENCY INC Filed as: MILLIMAN, INC. | 2175 N CALIFORNIA BLVD STE 810 WALNUT CREEK, CA 94596 | BLUE SHIELD OF CALIFORNIA | — | $125 | $125 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFIC FEDERAL LLC EIN 47-3302715 NONE | Consulting (general); Contract Administrator Service code 13 | — | $252K |
| MILLIMAN EIN 91-0675641 NONE | Consulting (general) Service code 16 | — | $50K |
| BLEIWEISS COMMUNICATIONS INC EIN 95-3676526 NONE | Direct payment from the plan Service code 50 | — | $39K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $17K |
| WOHLNER KAPLON CUTLER HALFORD EIN 95-4177931 NONE | Legal Service code 29 | — | $9K |
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 | 610 | 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. |
| Total participants (= "Plan participants" tile) | 610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,138 | $9.9M |
| Dental(4 contracts, 4 carriers) | SIMNSA | 428 | $879K |
| Vision | DAVIS VISION (METROPOLITAN LIFE INSURANCE COMPANY) | 1,574 | $111K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 441 | $23K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 98 | $2.4M |
| Other(4 contracts, 4 carriers) | LIBERTY DENTAL PLAN REINSURANCE COMPANY, LTD. | 630 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,574 | — |
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.