| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIASTAR LIFE INSURANCE COMAPNY OF NEW YORK - LIFE | — | $118K | $118K | 9.65% |
| MEYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIASTAR LIFE INSURANCE COMAPNY OF NEW YORK - LIFE | $61K | — | $61K | 5.00% |
| MASSMARK INC3 | 85 WHITE BRIDGE RD SUITE 301 NASHVILLE, TN 372051564 | RELIASTAR LIFE INSURANCE COMAPNY OF NEW YORK - LIFE | $15K | — | $15K | 1.19% |
| MYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIASTAR LIFE INSURANCE COMAPNY OF NEW YORK- AD&D | — | $50K | $50K | 6.16% |
| MYERS-STEVENS & TOOHEY CO INC3 | 26101 MARQUERITE PKWY MISSION VIEJO, CA 92692 | RELIASTAR LIFE INSURANCE COMAPNY OF NEW YORK- AD&D | $25K | — | $25K | 3.08% |
| NONE | — | THE STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | THE STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PORAC EIN 23-7077256 PARTY IN INTEREST | Plan Administrator; Direct payment from the plan Service code 14 | — | $881K |
| REICH ADELL & CVITAN EIN 94-1205338 NONE | Legal; Direct payment from the plan Service code 29 | — | $141K |
| UBS NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | 2029 CENTURY PARK EAST, ST 3000 LOS ANGELES, CA 90067 | $79K |
| THE SEGAL COMPANY EIN 94-1050399 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $73K |
| ROBERT FEINGLASS EIN 80-0231345 NONE | Legal; Direct payment from the plan Service code 29 | — | $16K |
| MARIA JIMENEZ EIN 23-7077256 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $11K |
| ROGER GARCIA EIN 68-6068469 TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | — | $7K |
| COMPUTER RESOURCES TECHNOLOGY NONE | Consulting (general); Direct payment from the plan Service code 16 | 2105 STACIA WAY STE 1 SACRAMENTO, CA 95822 | $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 | 53,323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,128 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 61,451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMAPNY OF NEW YORK - LIFE | 958 | $1.2M |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 74 | $13K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 74 | $33K |
| Other | RELIASTAR LIFE INSURANCE COMAPNY OF NEW YORK- AD&D | 458 | $812K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 958 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.