No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MVI ADMINISTRATORS INC EIN 33-0393692 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $55K |
| MELISSA W. COOK & ASSOCIATES EIN 95-3245809 NONE | Legal; Direct payment from the plan Service code 29 | — | $29K |
| CBIZ BENEFITS & INSURANCE SVCS EIN 31-1582098 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $24K |
| ALLEN LAWRENCE & ASSOCIATES EIN 95-2774510 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $22K |
| LEAF & COLE, LLP EIN 95-2076568 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $12K |
| HUB INTERNATIONAL INSUR.SVCS NONE | Consulting (general); Direct payment from the plan Service code 16 | 3390 UNIVERSITY AVE STE 300 951-788-8500 RIVERSIDE, CA 92501 | $12K |
| BARNEY & BARNEY EIN 95-2156846 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $11K |
| COAST BENEFITS EIN 33-0670046 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $10K |
| CAL-VALLEY INSURANCE SVCS EIN 77-0150866 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $10K |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.7M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.