| Provider | Services | Address | Compensation |
|---|---|---|---|
| ATPA EIN 94-3187938 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $174K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $66K |
| NATIONAL COMPLIANCE SERVICES EIN 56-7649257 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $56K |
| LEONARD, CARTER, ET. AL. EIN 94-2819269 NONE | Legal; Direct payment from the plan Service code 29 | — | $42K |
| LEE CAPITAL MANAGEMENT NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | 2505 VIA ANITA PALOS VERDES ESTATES, CA 90274 | $28K |
| HEMMING MORSE EIN 30-0702322 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| NORTHWEST ADMINISTRATORS, INC NONE | Direct payment from the plan; Contract Administrator Service code 13 | 2323 EASTLAKE AVE E STE 400 SEATTLE, WA 98102 | $11K |
| ASCENDANT HEALTHCARE NONE | Direct payment from the plan; Other services Service code 49 | 3200 EL CAMINO REAL 120 IRVINE, CA 92602 | $10K |
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 | 1,426 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL PLAN OF CALIFORNIA | 1,490 | $828K |
| Vision | VISION SERVICE PLAN | 1,409 | $136K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 1,375 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,125 | — |
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.