| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CSA GENERAL INS AGENCY INC | P.O. BOX 81049 PHOENIX, AZ 85069 | SYMETRA LIFE INSURANCE COMPANY | $11K | — | $11K | 1.98% |
| THE SEGAL COMPANY Filed as: THE SEGAL CO EASTERN STATES IN | 333 WEST 34TH STREET NEW YORK, NY 10001 | SYMETRA LIFE INSURANCE COMPANY | $11K | — | $11K | 1.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ARIZONA EIN 86-0004538 NONE | Consulting (general) Service code 16 | — | $10.0M |
| AETNA EIN 06-6033492 NONE | Direct payment from the plan; Plan Administrator; Claims processing; Insurance services; Product termination fees (surrender charges, etc.) Service code 12 | — | $5.4M |
| SOUTHWEST SERVICE ADMINISTRATORS EIN 86-0785790 NONE | Plan Administrator; Consulting (general) Service code 14 | — | $3.2M |
| PATIENTS' CARE PARTNERSHIP EIN 86-1005647 NONE | Other insurance wrap fees Service code 67 | — | $1.3M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.1M |
| BEACON HEALTH OPTIONS EIN 54-1414194 NONE | Insurance services Service code 23 | — | $944K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Claims processing Service code 12 | — | $428K |
| CAMDEN BONDS PLUS FUND LLC EIN 95-4319164 NONE | Investment advisory (plan); Soft dollars commissions; Investment management fees paid indirectly by plan Service code 27 | — | $410K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general) Service code 16 | — | $350K |
| RYAN, RAPP & UNDERWOOD EIN 86-0767091 NONE | Legal Service code 29 | — | $291K |
| ACCENT EIN 20-1369131 NONE | Participant communication; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $225K |
| ARROWSTREET CAPITAL EIN 04-3472863 NONE | Investment management Service code 28 | — | $208K |
| ALAN BILLER AND ASSOCIATES EIN 94-2854958 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $202K |
| MINES AND ASSOCIATES EIN 84-1028610 NONE | Direct payment from the plan; Other fees Service code 50 | — | $136K |
| MD SASS & ASSOCIATES, INC. EIN 13-2704843 NONE | Investment management Service code 28 | — | $130K |
| HENNINGFIELD & ASSOCIATES EIN 54-2189926 NONE | Accounting (including auditing) Service code 10 | — | $77K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Investment management Service code 28 | — | $60K |
| NWQ INVESTMENT MANAGEMENT EIN 47-0875130 NONE | Investment management; Soft dollars commissions; Investment management fees paid directly by plan Service code 28 | — | $58K |
| AMERICAN HEALTH GROUP EIN 86-0494854 NONE | Other services Service code 49 | — | $40K |
| WELLINGTON MANAGEMENT COMPANY LLP EIN 04-2755549 NONE | Investment management fees paid directly by plan Service code 51 | — | $37K |
| GOLDEN CAPITAL MANAGEMENT EIN 56-2210064 NONE | Investment management fees paid directly by plan; Investment management; Soft dollars commissions Service code 28 | — | $22K |
| CSA GENERAL INS AGENCY INC NONE | Other fees Service code 99 | P.O. BOX 81049 PHOENIX, AZ 85069 | $11K |
| WILLIAM BLAIR INTERNATIONAL EIN 27-6331814 NONE | Investment management Service code 28 | — | $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 | 39,457 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 39,457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 7,180 | $37.5M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 3,107 | $545K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,180 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.