| 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 91077 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 1.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFIC SOUTHWEST ADMINISTRATORS EIN 46-4942970 NONE | Contract Administrator; Claims processing; Direct payment from the plan; Copying and duplicating Service code 12 | — | $6.6M |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 NONE | Float revenue; Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $2.9M |
| CLTFSC, INC. EIN 95-4773932 NONE | Other services; Direct payment from the plan Service code 49 | — | $1.8M |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $154K |
| REICH, ADELL & CVITAN EIN 95-3082677 NONE | Legal; Direct payment from the plan Service code 29 | — | $128K |
| LORD ABBETT & CO. LLC EIN 13-5620131 NONE | Investment management fees paid directly by plan Service code 51 | — | $112K |
| COX, CASTLE & NICHOLSON EIN 95-2547124 NONE | Legal; Direct payment from the plan Service code 29 | — | $101K |
| SCHRODERS INVESTMENT MGMT, NA INC. EIN 13-4064414 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $86K |
| UNION ADR, LLC EIN 46-4606999 NONE | Direct payment from the plan; Other services Service code 49 | — | $86K |
| EARNEST PARTNERS, LLC EIN 58-2386669 NONE | Soft dollars commissions; Investment management fees paid directly by plan Service code 51 | — | $76K |
| SHOGREN OMBUDSPERSON SERVICES EIN 33-0471526 NONE | Other services; Direct payment from the plan Service code 49 | — | $75K |
| ALAN Z. WEISS NONE | Consulting (general); Direct payment from the plan Service code 16 | 5122 GAVIOTA AVE ENCINO, CA 91436 | $73K |
| ALLIANCE BERNSTEIN EIN 13-4064930 NONE | Investment management fees paid directly by plan; Soft dollars commissions Service code 51 | — | $72K |
| OXFORD RISK MANAGEMENT & INS. SVCS. EIN 95-1997338 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $65K |
| UNION BANK EIN 95-1314170 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $51K |
| PHILIP A. MARK EIN 52-2443938 NONE | Other services; Direct payment from the plan Service code 49 | — | $42K |
| MERRILL LYNCH EIN 13-5674085 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $35K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Soft dollars commissions; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $26K |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $18K |
| ADVISORY RESEARCH, INC. EIN 36-2831881 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 51 | — | $15K |
| HOWARD GOODMAN EIN 46-0951351 NONE | Other services; Direct payment from the plan Service code 49 | — | $14K |
| LEONARD J. SILBERMAN NONE | Other services; Direct payment from the plan Service code 49 | 150 N FELDNER RD ORANGE, CA 92868 | $12K |
| ROBERT DRAKULICH EIN 27-2469841 NONE | Direct payment from the plan; Other services Service code 49 | — | $8K |
| THE LAW OFFICE OF KENNETH KINGDON NONE | Legal; Direct payment from the plan Service code 29 | P O BOX 6039 SAN PEDRO, CA 90734 | $7K |
| LYNNE DALTON, CSR NONE | Other services; Direct payment from the plan Service code 49 | 3412 JURUPA AVE RIVERSIDE, CA 92506 | $6K |
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 | 18,304 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 949 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 21,528 | $82.2M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 6,226 | $2.0M |
| Vision | KAISER FOUNDATION HEALTH PLAN INC. | 21,528 | $81.4M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 34,790 | $401K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 21,528 | $81.4M |
| Other | AETNA LIFE INSURANCE COMPANY | 34,790 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,790 | — |
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.