| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFIC SOUTHWEST ADMINISTRATORS EIN 46-4942970 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 1055 PARK VIEW DRIVE COVINA, CA 91724 | $84K |
| RAEL & LETSON EIN 94-1761048 NONE | Direct payment from the plan; Actuarial Service code 11 | 35 NORTH LAKE AVENUE, SUITE 900 PASADENA, CA 91101 | $35K |
| REICH, ADELL & CVITAN EIN 95-3082677 NONE | Legal; Direct payment from the plan Service code 29 | 3550 WILSHIRE BOULEVARD, SUITE 2000 LOS ANGELES, CA 90010 | $30K |
| NATIONAL COMPLIANCE SERVICES EIN 77-0547053 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 13200 CENTRAL AVENUE, SUITE 1 BOULDER CREEK, CA 95006 | $29K |
| MCMORGAN COMPANY EIN 94-1650768 NONE | Investment management; Direct payment from the plan Service code 28 | 3500 WEST OLIVE AVENUE, SUITE 560 BURBANK, CA 91505 | $25K |
| EIDE BAILLY, LLP EIN 45-0250958 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $11K |
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 | 608 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER | 920 | $4.5M |
| Dental(2 contracts, 2 carriers) | MEDIEXCEL | 342 | $388K |
| Vision | VISION SERVICE PLAN | 128 | $23K |
| Life insurance | MUTUAL OF OMAHA | 567 | $15K |
| Other | MUTUAL OF OMAHA | 567 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 920 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.