No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INTERNATIONAL INSUR. SVCS NONE | Direct payment from the plan; Consulting (general) Service code 16 | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92501 | $36K |
| CAL-VALLEY INSURANCE SVCS EIN 77-0150866 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $14K |
| COAST BENEFITS EIN 33-0670046 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $13K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $12K |
| MELISSA W. COOK & ASSOCIATES EIN 95-3245809 NONE | Legal; Direct payment from the plan Service code 29 | — | $6K |
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 | 87 | 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. |
| Total participants (= "Plan participants" tile) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 48 | $781K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 48 | $696K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 48 | $696K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 48 | $696K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 48 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.