No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFIC SOUTHWEST ADMINISTRATORS EIN 46-4942970 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $99K |
| REICH, ADELL & CVITAN EIN 95-3082677 NONE | Legal; Direct payment from the plan Service code 29 | — | $68K |
| RAEL & LETSON EIN 94-1701048 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $42K |
| MCMORGAN & COMPANY LLC EIN 52-2334338 NONE | Investment management; Direct payment from the plan Service code 28 | — | $37K |
| NEPC, LLC EIN 26-1429809 NONE | Consulting (general) Service code 16 | — | $11K |
| HENNINGFIELD & ASSOCIATES, INC EIN 54-2189926 NONE | Accounting (including auditing) Service code 10 | — | $10K |
| NATIONAL COMPLIANCE SERVICES EIN 77-0547053 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $8K |
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 | 672 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER | 917 | $7.6M |
| Dental(2 contracts, 2 carriers) | MEDIEXCEL | 435 | $471K |
| Vision | VISION SERVICE PLAN | 176 | $25K |
| Life insurance | MUTUAL OF OMAHA | 617 | $30K |
| Other | MUTUAL OF OMAHA | 617 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 917 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.