| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK | C/O BANYAN CONSULTING 1215 MANOR DRIVE, STE. 200 MECHANICSBURG, PA 17055 | HM LIFE INSURANCE COMPANY | $77K | $0 | $77K | 6.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES, INC. | 7272 E. INDIAN SCHOOL ROAD, STE 220 SCOTTSDALE, AZ 85251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $16K | $52K | 21.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SERVICES, INC. | 7272 E. INDIAN SCHOOL ROAD, STE 220 SCOTTSDALE, AZ 85251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $4K | $12K | 21.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-4331852 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Float revenue; Other fees; Contract Administrator Service code 12 | — | $2.1M |
| WORD & BROWN EIN 95-3161239 BROKER | Insurance agents and brokers Service code 22 | — | $1.5M |
| BANYAN ADMINISTRATORS EIN 26-3870592 CONTRACT ADMINISTRATOR | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | — | $720K |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $259K |
| DELOITTE CONSULTING LLP EIN 13-5133500 ACTUARY | Actuarial; Consulting (general) Service code 11 | — | $184K |
| DELTA DENTAL EIN 94-1461312 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $117K |
| CALCPA EIN 94-1056137 PLAN SPONSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $109K |
| UNION BANK EIN 94-1234979 N/A | Account maintenance fees Service code 65 | — | $77K |
| ARMANINO LLP EIN 94-6214841 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $70K |
| VISION SERVICE PLAN EIN 94-1632821 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $51K |
| MCLERAN MARKETING LLC EIN 47-1793819 N/A | Other fees Service code 99 | — | $50K |
| BERLA INVESTMENT CONSULTING EIN 57-2802871 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | — | $47K |
| CHRISTINE SIMMONS BROKER | Insurance agents and brokers Service code 22 | P. O. BOX 8052 NEWPORT BEACH, CA 92658 | $44K |
| EBIX, INC. EIN 77-0021975 N/A | Other fees Service code 99 | — | $30K |
| SHEPHERD & ASSOC INS SERV, INC. EIN 94-3208815 BROKER | Insurance agents and brokers Service code 22 | — | $30K |
| BSWIFT EIN 38-3348145 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $30K |
| KEVIN A. ROBERTS BROKER | Insurance agents and brokers Service code 22 | 3103 COYOTE CIRCLE CLAYTON, CA 94517 | $24K |
| PREMIER BENEFIT RESOURCES EIN 68-0426989 BROKER | Insurance agents and brokers Service code 22 | — | $22K |
| HINSHAW & CULBERTSON LLP EIN 36-2128133 ATTORNEY | Legal Service code 29 | — | $17K |
| CASEHP (CA SMALL EMPLOYER HEALTH PL N/A | Consulting (general) Service code 16 | 54 CORPORATE PARK C/O UNITED AGRIBUSINESS LEAGUE IRVINE, CA 92606 | $16K |
| EDWARD L. REYNOLDS, JR. N/A | Other fees Service code 99 | 548 EVERETT CT PALO ALTO, CA 94301 | $16K |
| PIMCO EIN 33-0629048 INVESTMENT MANAGER | Investment management fees paid indirectly by plan Service code 52 | — | $16K |
| MACCORKLE INSURANCE SERVICES EIN 94-2708394 BROKER | Insurance agents and brokers Service code 22 | — | $14K |
| MANIACI INSURANCE SERVICES, INC. EIN 95-3562557 BROKER | Insurance agents and brokers Service code 22 | — | $13K |
| VANGUARD EIN 23-1945930 INVESTMENT MANAGER | Investment management fees paid indirectly by plan Service code 52 | — | $11K |
| KAREN PREISSER BROKER | Insurance agents and brokers Service code 22 | P. O. BOX 98 SHASTA, CA 96087 | $9K |
| LISI, INC. EIN 94-2757978 BROKER | Insurance agents and brokers Service code 22 | — | $8K |
| LINCOLN INSURANCE SERVICES EIN 94-2819106 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
| VANGUARD BROKERAGE SERVICES EIN 23-2019846 INVESTMENT MANAGER | Investment management fees paid indirectly by plan Service code 52 | — | $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 | 6,553 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 90 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 151 | $1.3M |
| Dental | DELTA CARE USA | 27 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 359 | $58K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 676 | $240K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 3,647 | $1.2M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 359 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,647 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.