| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | LIFEWISE ASSURANCE COMPANY | $42K | $0 | $42K | 10.00% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 11.28% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $118 | $2K | 9.97% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | FIRST CHOICE HEALTH | $608 | $0 | $608 | 10.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREMERA BLUE CROSS OF ALASKA EIN 48-1298079 ADMINISTRATION | Contract Administrator Service code 13 | — | $75K |
| CRAFORD BENEFIT CONSULTANTS EIN 68-0289346 BROKER | Custodial (securities) Service code 19 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | $30K |
| DELTA DENTAL PLAN OF OREGON EIN 93-0438772 ADMINISTRATION | Contract Administrator Service code 13 | — | $14K |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $17K |
| Stop-loss / reinsurancereinsurance | LIFEWISE ASSURANCE COMPANY | 150 | $417K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 297 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.