| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERREMEDY INSURANCE SERVICES3 | 315 MONTGOMERY STREET SAN FRANCISCO, CA 94104 | BERKSHIRE HATHAWAY SPECIALTY INSURANCE | — | $12K | $12K | 7.00% |
| INTERREMEDY INSURANCE SERVICES3 | 315 MONTGOMERY STREET SAN FRANCISCO, CA 94104 | HCC LIFE INSURANCE COMPANY | — | $8K | $8K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS INC EIN 38-2383171 NONE | Contract Administrator Service code 13 | — | $67K |
| ANTHEM EIN 84-0747746 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $44K |
| SHANLEY, APC CONTRIBUTING EMPLOYER | Legal Service code 29 | 533 SOUTH FREEMONT AVENUE, 9TH FL LOS ANGELES, CA 900711706 | $40K |
| PROPEL INSURANCE EIN 91-0830024 NONE | Consulting (general); Insurance agents and brokers Service code 16 | — | $30K |
| ALAN BILLER & ASSOCIATES EIN 94-2854958 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $25K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $22K |
| HINES AND ASSOCIATES, INC EIN 36-3545085 NONE | Other services Service code 49 | — | $15K |
| THE SEGAL COMPANY (EASTERN STATES) EIN 13-1835864 NONE | Actuarial Service code 11 | — | $14K |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 183 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 237 | $210K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKSHIRE HATHAWAY SPECIALTY INSURANCE | 300 | $340K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 237 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.