No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS EIN 38-2383171 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $229K |
| RAEL & LETSON EIN 94-1701048 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $83K |
| NATIONAL INVESTMENT SERVICES, INC. EIN 84-3937993 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $43K |
| LEONARD CARDER EIN 94-2819269 NONE | Legal; Direct payment from the plan Service code 29 | — | $34K |
| NATIONAL COMPLIANCE SERVICES EIN 77-0547053 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $29K |
| NEPC, LLC EIN 26-1429809 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $21K |
| SMART SOURCE LLC EIN 30-0830429 NONE | Other services; Direct payment from the plan Service code 49 | — | $19K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $17K |
| IRON MOUNTAIN EIN 23-2588479 NONE | Other services; Direct payment from the plan Service code 49 | — | $10K |
| COMERICA EIN 42-1741646 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $9K |
| EPIC INSURANCE EIN 94-3195221 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $0 |
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 | 935 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 935 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 1,462 | $729K |
| Vision | VISION SERVICE PLAN | 946 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,102 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.