| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.0 Filed as: STOP LOSS INSURANCE SERVICES INC. | 940 ADAMS STREET, SUITE G BENICIA, CA 94510 | THE UNION LABOR LIFE INSURANCE COPMANY | $7K | — | $7K | 5.02% |
| NONE | — | AMALGAMATED LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MOSS LAW FIRM EIN 91-1882299 NONE | Legal; Direct payment from the plan Service code 29 | — | $33K |
| RAEL & LETSON EIN 94-1701048 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $31K |
| BENEFIT ADMINISTRATION EIN 94-1646941 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $23K |
| TRANSWESTERN INSURANCE ADMIN EIN 77-0118024 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $20K |
| HEMMING MORSE EIN 30-0702322 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| INTERPLAN HEALTH GROUP EIN 06-1623228 NONE | Other fees; Direct payment from the plan Service code 50 | — | $9K |
| MARCO CONSULTING EIN 36-3555078 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $9K |
| TUCKER, CHIU, HEBESHA, & WAR EIN 27-4986310 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
| MCMORGAN & COMPANY EIN 52-2334338 NONE | Investment management Service code 28 | — | $8K |
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 | 94 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 53 | $3K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COPMANY | 94 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.