| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTERN STATES IN | 333 WEST 34TH STREET NEW YORK, NY 10001 | SYMETRA LIFE INSURANCE COMPANY | — | $3K | $3K | 0.46% |
| CSA GENERAL INS AGENCY INC3 | P.O. BOX 81049 PHOENIX, AZ 85069 | SYMETRA LIFE INSURANCE COMPANY | — | $2K | $2K | 0.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ARIZONA EIN 86-0004538 NONE | Consulting (general) Service code 16 | — | $11.5M |
| AETNA EIN 06-6033492 NONE | Direct payment from the plan; Product termination fees (surrender charges, etc.); Claims processing Service code 12 | — | $6.2M |
| SOUTHWEST SERVICE ADMINISTRATORS EIN 86-0785790 NONE | Plan Administrator; Consulting (general) Service code 14 | — | $3.7M |
| 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 | — | $1.1M |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general) Service code 16 | — | $461K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Claims processing Service code 12 | — | $411K |
| ALAN BILLER AND ASSOCIATES EIN 94-2854958 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $361K |
| CAMDEN BONDS PLUS FUND LLC EIN 95-4319164 NONE | Investment management fees paid indirectly by plan; Soft dollars commissions Service code 52 | — | $359K |
| RYAN, RAPP & UNDERWOOD EIN 86-0767091 NONE | Legal Service code 29 | — | $312K |
| MD SASS & ASSOCIATES, INC. EIN 13-2704843 NONE | Investment management Service code 28 | — | $259K |
| MINES AND ASSOCIATES EIN 84-1028610 NONE | Other fees; Direct payment from the plan Service code 50 | — | $152K |
| WILLIAM BLAIR INTERNATIONAL EIN 27-6331814 NONE | Investment management Service code 28 | — | $129K |
| NWQ INVESTMENT MANAGEMENT EIN 47-0875130 NONE | Investment management; Soft dollars commissions; Investment management fees paid directly by plan Service code 28 | — | $123K |
| ARISTOTLE EIN 95-4833644 NONE | Soft dollars commissions; Investment management fees paid directly by plan Service code 51 | — | $107K |
| HENNINGFIELD & ASSOCIATES EIN 54-2189926 NONE | Accounting (including auditing) Service code 10 | — | $98K |
| WELLINGTON CTF SMID CAP RESEARCH EIN 04-2755549 NONE | Investment management fees paid directly by plan Service code 51 | — | $98K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Investment management Service code 28 | — | $75K |
| AMERICAN HEALTH GROUP EIN 86-0494854 NONE | Other services Service code 49 | — | $68K |
| LOOMIS, SAYLES & COMPANY EIN 04-3200030 NONE | Investment management Service code 28 | — | $59K |
| GOLDEN CAPITAL MANAGEMENT EIN 56-2210064 NONE | Investment management; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $38K |
| DOUGLAS RUYGROK NONE | Consulting (general) Service code 16 | 2102 LA CANADA CREST DRIVE C LA CANADA, CA 91011 | $29K |
| ARROWSTREET CAPITAL EIN 04-3472863 NONE | Investment management Service code 28 | — | $15K |
| BNY MELLON CF DV NON-SL STOCK INDEX EIN 25-6078093 NONE | Investment management Service code 28 | — | $11K |
| MEDICAL REVIEW INSTITUTE NONE | Other services Service code 49 | 2875 S DECKER LAKE DRIVE STE 300 SALT LAKE CITY, UT 84119 | $5K |
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 | 45,566 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 45,566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 8,802 | $40.7M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 3,395 | $657K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,802 | — |
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.
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.