| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERNATIVE RISK SOLUTIONS LLC3 | 101 2ND STREET SUITE 100 PETALUMA, CA 94952 | SUN LIFE ASSURANCE COMPANY OF CANADA | $93K | $9K | $102K | 19.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELFARE & PENSION ADMIN SERVICE EIN 91-1363171 NONE | Plan Administrator; Investment management fees paid indirectly by plan Service code 14 | — | $278K |
| EKMAN CUSHING AND MAXWELL, P.S. EIN 91-1321138 NONE | Legal; Direct payment from the plan; Other services Service code 29 | — | $139K |
| FIRST CHOICE HEALTH NETWORK, INC. EIN 91-1272766 NONE | Direct payment from the plan; Other services Service code 49 | — | $38K |
| LINDQUIST, LLP EIN 52-2385296 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $30K |
| INNOVATIVE COST MGMT SERVICES, INC. EIN 77-0119752 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $30K |
| INNOVATIVE CARE MANAGEMENT, INC. EIN 93-1087667 NONE | Direct payment from the plan; Other services; Insurance services Service code 23 | — | $29K |
| TRUVERIS, INC. NONE | Direct payment from the plan; Contract Administrator Service code 13 | 2 PARK AVE #1500 NEW YORK, NY 10116 | $19K |
| CHANGE HEALTHCARE NONE | Direct payment from the plan; Other services Service code 49 | 3055 LEBANON PIKE NASHVILLE, TN 37214 | $13K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $11K |
| ROBERT A. BOHRER, P.L.L.C EIN 46-3183400 NONE | Legal; Direct payment from the plan; Other services Service code 29 | — | $10K |
| BANK OF AMERICA NONE | Direct payment from the plan; Custodial (securities) Service code 19 | 525 S. JACKSON ST. SEATTLE, WA 98104 | $9K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $6K |
| BARNEY & BARNEY NONE | Insurance services; Direct payment from the plan Service code 23 | PO BOX 85638 SAN DIEGO, CA 92186 | $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 | 574 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 580 | $52K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 573 | $13K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 591 | $524K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.