| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: OXFORD RISK MANAGEMENT & INS. SVCS. | PO BOX 1508 ARCADIA, CA 910771508 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 1.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFIC SOUTHWEST ADMINISTRATORS EIN 46-4942970 NONE | Claims processing; Contract Administrator; Direct payment from the plan; Copying and duplicating Service code 12 | — | $6.6M |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing Service code 12 | — | $2.2M |
| CLTFSC, INC. EIN 95-4773932 ADMINISTRATIVE COMPANY | Other services; Direct payment from the plan Service code 49 | — | $1.6M |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $233K |
| LORD ABBETT & CO. LLC EIN 13-5620131 NONE | Investment management fees paid directly by plan Service code 51 | — | $108K |
| COX, CASTLE & NICHOLSON EIN 95-2547124 NONE | Legal; Direct payment from the plan Service code 29 | — | $108K |
| REICH, ADELL & CVITAN EIN 95-3082677 NONE | Legal; Direct payment from the plan Service code 29 | — | $97K |
| SCHRODERS INVESTMENT MGMT, NA INC. EIN 13-4064414 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $81K |
| SHOGREN OMBUDSPERSON SERVICES EIN 33-0471526 NONE | Other services; Direct payment from the plan Service code 49 | — | $79K |
| UNION ADR, LLC EIN 46-4606999 NONE | Direct payment from the plan; Other services Service code 49 | — | $78K |
| ADVISORY RESEARCH, INC. EIN 36-2831881 NONE | Soft dollars commissions; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan Service code 51 | — | $75K |
| OXFORD RISK MANAGEMENT & INS. SVCS. EIN 95-1997338 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $65K |
| ALAN Z. WEISS NONE | Direct payment from the plan; Consulting (general) Service code 16 | 5122 GAVIOTA AVE ENCINO, CA 91436 | $57K |
| ALLIANCE BERNSTEIN EIN 13-4064930 NONE | Soft dollars commissions; Investment management fees paid directly by plan Service code 51 | — | $55K |
| ATPA, INC. EIN 94-3187938 NONE | Direct payment from the plan; Contract Administrator; Claims processing; Copying and duplicating Service code 12 | — | $53K |
| MERRILL LYNCH EIN 13-5674085 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $35K |
| UNION BANK EIN 95-1314170 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $32K |
| FREDERICK R. STEVENS EIN 68-0208509 NONE | Other services; Direct payment from the plan Service code 49 | — | $31K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Soft dollars commissions Service code 21 | — | $26K |
| PHILIP A. MARK EIN 52-2443938 NONE | Other services; Direct payment from the plan Service code 49 | — | $25K |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $19K |
| ROBERT DRAKULICH EIN 27-2469841 NONE | Other services; Direct payment from the plan Service code 49 | — | $18K |
| AMERICAN HEALTH HOLDING, INC. EIN 31-1368946 NONE | Other services; Direct payment from the plan Service code 49 | — | $14K |
| HOWARD GOODMAN EIN 46-0951351 NONE | Direct payment from the plan; Other services Service code 49 | — | $13K |
| RALPH G. FISHER EIN 52-6389094 NONE | Other services; Direct payment from the plan Service code 49 | — | $11K |
| LYNNE DALTON NONE | Direct payment from the plan; Other services Service code 49 | 3412 JURUPA AVE RIVERSIDE, CA 92506 | $7K |
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 | 14,657 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 954 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 18,320 | $64.8M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 2,200 | $1.5M |
| Vision | KAISER FOUNDATION HEALTH PLAN INC. | 18,320 | $64.3M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 27,278 | $366K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 18,320 | $64.3M |
| Other | AETNA LIFE INSURANCE COMPANY | 27,278 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,278 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.