| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS Filed as: EPIC INSURANCE BROKERS AND CONSULTA | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94250 | THE UNION LABOR LIFE INSURANCE COMPANY | $59K | — | $59K | 7.00% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES | 940 ADAMS ST #G BENICIA, CA 94510 | THE UNION LABOR LIFE INSURANCE COMPANY | $25K | — | $25K | 3.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS AND CONSULTA | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | NATIONAL UNION FIRE INSURANCE COMPANY OF PA | $5K | — | $5K | 7.78% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES | 940 ADAMS ST #G BENICIA, CA 94510 | NATIONAL UNION FIRE INSURANCE COMPANY OF PA | $2K | — | $2K | 3.33% |
| JAMES C JENKINS INSURANCE SERVICE3 | PO BOX 5668 CONCORD, CA 94524 | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT PLAN ADMINISTRATOR EIN 88-0277518 TPA | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 13 | 445 APPLE STREET, SUITE 200 RENO, NV 89502 | $299K |
| EPIC EIN 94-3195221 NONE | Consulting (general) Service code 16 | 1390 WILLOW PASS RD. 800 CONCORD, CA 94520 | $30K |
| NEYHART, ANDERSON, FLYNN, GROSBOLL EIN 94-2576729 NONE | Legal Service code 29 | 369 PINE STREET, SUITE 800 SAN FRANCISCO, CA 94104 | $27K |
| EIDE BAILLY EIN 45-0250958 NONE | Accounting (including auditing) Service code 10 | 5441 KIETZKE LN., STE. 150 RENO, NV 89511 | $19K |
| ANDCO CONSULTING EIN 59-3676225 NONE | Investment advisory (plan) Service code 27 | 10391 DOUBLE R BLVD RENO, NV 89521 | $10K |
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 | 491 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 447 | $13K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 437 | $840K |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INSURANCE COMPANY OF PA | 447 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.