Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
Multiple-employer welfare arrangement. It has its own regulatory and compliance rules.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 10 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 11,684 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 388 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,072 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS OF CALIFORNIA | 26,933 | $249.3M |
| Dental(4 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 26,933 | $250.2M |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 26,933 | $250.8M |
| Life insurance(3 contracts, 3 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 26,933 | $259.4M |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 26,933 | $256.8M |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 26,933 | $256.8M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 5,486 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,933 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Anthem Blue Cross of California | |
Carrier: Unum Life Insurance Company | |
Carrier: Unum Life Insurance Company | |
Carrier: Unum Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC NONE | Plan Administrator; Insurance services; Actuarial; Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Accounting (including auditing); Insurance agents and brokers Service code 10 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | $16.3M |
| IGOE & COMPANY INCORPORATED NONE | Direct payment from the plan; Contract Administrator Service code 13 | 15090 AVENUE OF SCIENCE STE 201 SAN DIEGO, CA 92128 | $133K |
| PAYDEN & RYGEL EIN 95-3921788 NONE | Investment management fees paid directly by plan; Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $100K |
| THE WAGNER LAW GROUP NONE | Legal; Direct payment from the plan Service code 29 | 8677 VILLA LA JOLLA DR #888 SAN DIEGO, CA 92037 | $43K |
| MILLER KAPLAN ARASE LLP EIN 95-2936255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $34K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
2 contacts
11 filings · 2015 to 2025