| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERREMEDY INSURANCE SERVICES3 | 2268 WESTBOROUGH BLVD., STE 302-328 SAN FRANCISCO, CA 94080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $75K | — | $75K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LABOR FIRST, LLC NONE | Other services; Direct payment from the plan Service code 49 | 1000 MIDATLANTIC DRIVE SUITE 100 MOUNT LAUREL, NJ 08054 | $362K |
| BENESYS, INC EIN 38-2383171 NONE | Claims processing; Direct payment from the plan; Contract Administrator; Other services; Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $219K |
| AETNA EIN 06-6033492 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $90K |
| PACIFIC WEALTH ADVISORS, LLC EIN 20-3431077 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $90K |
| PROPEL INSURANCE EIN 91-0830024 NONE | Insurance brokerage commissions and fees; Consulting (general); Insurance services; Direct payment from the plan Service code 16 | — | $34K |
| BARLOW & COUGHRAN, P.S. EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $27K |
| WELFARE & PENSION ADMIN. SERVICES EIN 91-1363171 NONE | Plan Administrator; Claims processing; Direct payment from the plan; Accounting (including auditing); Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 10 | — | $24K |
| WITHUM SMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $21K |
| PLUMBERS LOCAL UNION 375 EIN 92-0013904 SPONSORING LOCAL | Direct payment from the plan; Other services Service code 49 | — | $21K |
| PLATFORM CPAS, LLP EIN 88-4342576 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $16K |
| SMART SOURCE LLC EIN 30-0830429 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $9K |
| HCCMA EIN 92-0116216 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $9K |
| HEALTHCARE ACTUARIES EIN 20-5718833 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $8K |
| TRANSCARENT, INC. EIN 84-3296541 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $6K |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 316 | $6K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 330 | $1.1M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 316 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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 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.