| 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 | 1.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFIC SOUTHWEST ADMINISTRATORS EIN 46-4942970 NONE | Contract Administrator; Claims processing; Copying and duplicating; Direct payment from the plan Service code 12 | — | $6.9M |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 NONE | Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $2.9M |
| CLTFSC, INC. EIN 95-4773932 NONE | Direct payment from the plan; Other services Service code 49 | — | $1.4M |
| REICH, ADELL & CVITAN EIN 95-3082677 NONE | Legal; Direct payment from the plan Service code 29 | — | $193K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $154K |
| LORD ABBETT & CO. LLC EIN 13-5620131 NONE | Investment management fees paid directly by plan Service code 51 | — | $101K |
| SHOGREN SERVICES, LLC EIN 33-0471526 NONE | Direct payment from the plan; Other services Service code 49 | — | $100K |
| EARNEST PARTNERS, LLC EIN 58-2386669 NONE | Soft dollars commissions; Investment management fees paid directly by plan Service code 51 | — | $99K |
| UNION ADR, LLC EIN 46-4606999 NONE | Direct payment from the plan; Other services Service code 49 | — | $98K |
| SCHRODERS INVESTMENT MGMT, NA INC. EIN 13-4064414 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $77K |
| ALAN Z. WEISS NONE | Consulting (general); Direct payment from the plan Service code 16 | 5122 GAVIOTA AVE ENCINO, CA 91436 | $66K |
| OXFORD RISK MANAGEMENT & INS. SVCS. EIN 95-1997338 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $65K |
| PHILIP A. MARK EIN 52-2443938 NONE | Direct payment from the plan; Other services Service code 49 | — | $60K |
| COX, CASTLE & NICHOLSON EIN 95-2547124 NONE | Legal; Direct payment from the plan Service code 29 | — | $58K |
| ALLIANCE BERNSTEIN EIN 13-4064930 NONE | Soft dollars commissions; Investment management fees paid directly by plan Service code 51 | — | $54K |
| MUFG - UNION BANK N.A. EIN 94-0304228 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $54K |
| MERRILL LYNCH EIN 13-5674085 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $35K |
| HOWARD GOODMAN EIN 46-0951351 NONE | Direct payment from the plan; Other services Service code 49 | — | $26K |
| 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 | — | $25K |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $22K |
| TRUE CHOICE AMERICA NONE | Direct payment from the plan; Other services Service code 49 | 10040 W CHEYENNE 170-62 LAS VEGAS, NV 89129 | $14K |
| THE VIRTUOUS GROUP NONE | Direct payment from the plan; Other services Service code 49 | 1930 VILLAGE CENTER CIRCLE #3-397 LAS VEGAS, NV 89134 | $13K |
| THE LAW OFFICE OF KENNETH KINGDON NONE | Other services; Direct payment from the plan Service code 49 | PO BOX 6039 SAN PEDRO, CA 90734 | $9K |
| ROBERT DRAKULICH EIN 27-2469841 NONE | Direct payment from the plan; Other services Service code 49 | — | $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 | 19,822 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 893 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,715 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 22,989 | $92.3M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 7,801 | $2.2M |
| Vision | KAISER FOUNDATION HEALTH PLAN INC. | 22,989 | $91.3M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 37,718 | $428K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 22,989 | $91.3M |
| Other | AETNA LIFE INSURANCE COMPANY | 37,718 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37,718 | — |
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.