| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | VISION SERVICE PLAN | $144K | — | $144K | 54.58% |
| MULTI AGENT SYSTEM CORP3 | — | MAPFRE LIFE INSURANCE COMPANY OF PR | $6K | — | $6K | 5.00% |
| TAGGART & ASSOCIATES INC3 | PO BOX 147 BOULDER, CO 80306 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $1K | — | $1K | 3.12% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 12404 PARK CENTRAL DR SUITE 400 DALLAS, TX 75251 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $230 | — | $230 | 0.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VRX PHARMACY EIN 27-1175996 NA | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $5.5M |
| GRANITE ALLIANCE EIN 46-1792156 NA | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $3.4M |
| UNITEDHEALTHCARE NA | Other services; Direct payment from the plan Service code 49 | 115 WEST WAUSAU AVE WAUSAU, WI 54401 | $2.6M |
| CHANGE HEALTHCARE EIN 45-3637794 NA | Direct payment from the plan; Other services Service code 49 | — | $600K |
| TC3 HEALTH NA | Direct payment from the plan; Claims processing Service code 12 | 19732 MACARTHUR BLVD STE 100 IRVINE, CA 92612 | $368K |
| METLIFE EIN 13-5581829 NA | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $288K |
| ZIONS BANK EIN 87-0467790 NA | Direct payment from the plan; Other services Service code 49 | — | $195K |
| CLEARWATER ANALYTICS NA | Direct payment from the plan; Other services Service code 49 | 777 WEST MAIN STREET STE 900 BOISE, ID 83702 | $182K |
| DELOITTE EIN 13-3891517 NA | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $135K |
| FISHER INVESTMENTS EIN 20-2480800 NA | Investment management; Investment management fees paid directly by plan Service code 28 | — | $123K |
| GHI MEDICARE NA | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | PO BOX 13334 NEWARK, NJ 07101 | $122K |
| GROUP REINSURANCE PLUS NA | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | 200 HOPMEADOW STREET SIMSBURY, CT 06089 | $102K |
| GOLDPOINT PARTNERS EIN 47-3798241 NA | Investment management Service code 28 | — | $75K |
| KIRTON MCCONKIE EIN 87-0375296 NA | Legal; Direct payment from the plan Service code 29 | — | $74K |
| DESERET TRUST COMPANY EIN 87-0291656 AFFILIATE OF SPONSOR | Custodial (securities); Other investment fees and expenses Service code 19 | — | $53K |
| RJ HEALTH SYSTEMS NA | Other services; Direct payment from the plan Service code 49 | 30 COLD SPRINGS RD ROCKY HILL, CT 06067 | $38K |
| DELOITTE TAX EIN 86-1065772 NA | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $29K |
| INTERLINK HEALTH SERVICES NA | Other services; Direct payment from the plan Service code 49 | 4660 NE BELKNAP COURT STE 209 HILLSBORO, OR 97124 | $29K |
| MDX NA | Claims processing; Contract Administrator Service code 12 | 500 ALA MOANA BLVD STE 2-200 HONOLULU, HI 96813 | $17K |
| NEUBERGER BERMAN NA | Soft dollars commissions; Investment management Service code 28 | 1290 AVENUE OF THE AMERICAS NEW YORK, NY 10104 | $16K |
| WH REAVES CO EIN 22-2169066 NA | Investment management fees paid directly by plan; Investment advisory (plan); Investment management Service code 27 | — | $15K |
| ZAZOVE ASSOCIATES LLC EIN 36-3984373 NA | Soft dollars commissions; Investment management fees paid directly by plan; Investment management Service code 28 | — | $15K |
| EAGLE CAPITAL MANAGEMENT EIN 22-3361201 NA | Soft dollars commissions; Investment management Service code 28 | — | $14K |
| BLOOMBERG NA | Other services; Direct payment from the plan Service code 49 | 731 LEXINGTON AVE NEW YORK, NY 10022 | $11K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NA | Investment management fees paid directly by plan; Investment management Service code 28 | — | $11K |
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 | 20,699 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10,871 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 2,324 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 31,570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MAPFRE LIFE INSURANCE COMPANY OF PR | 10 | $122K |
| Vision | VISION SERVICE PLAN | 6,326 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,326 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.