| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $7K | $5K | $5K | +29.9% |
| Broker comp per covered life | $0 | $0 | $15 | |
| Broker comp % of premium | 0.0% | 0.0% | 1.8% | |
| Retention rate | 0.0% | 0.0% | 0.1% | |
| Premium YoY % | -11.2% | 6.4% | 12.9% | -17.6 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | KAISER FOUNDATION HEALTH PLAN INC | — | — | $0 | 0.00% |
| NONE | — | KAISER FOUNDATION HEALTH PLAN INC | — | — | $0 | 0.00% |
| NONE | — | RELIASTAR LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | KAISER FOUNDATION HEALTH PLAN INC | — | — | $0 | 0.00% |
| NONE | — | DELTA DENTAL OF CALIFORNIA | — | — | $0 | 0.00% |
| NONE | — | RELIASTAR LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | DELTA DENTAL OF CALIFORNIA | — | — | $0 | 0.00% |
| NONE | — | KAISER FOUNDATION HEALTH PLAN INC | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CFAO EIN 94-1557079 SALARIED ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $7.5M |
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.5M |
| DELTA DENTAL EIN 94-1461312 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.3M |
| HST TECHNOLOGY NONE | Claims processing; Direct payment from the plan Service code 12 | 23382 MILL CREEK DR. STE 200 LAGUNA HILLS, CA 92653 | $719K |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $678K |
| SEGAL COMPANY EIN 94-1503999 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $236K |
| CAMDEN ASSET MANAGMENT EIN 95-4319164 NONE | Soft dollars commissions; Insurance agents and brokers; Investment management; Insurance brokerage commissions and fees Service code 22 | — | $224K |
| KRAW LAW GROUP EIN 77-0171216 NONE | Legal; Direct payment from the plan Service code 29 | — | $136K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $102K |
| WEINBERG, ROGER AND ROSENFELD EIN 94-2458080 NONE | Direct payment from the plan; Legal Service code 29 | — | $93K |
| BANK OF NEW YORK MELLON EIN 95-3571558 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $89K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $84K |
| ALAN BILLER ASSOCIATES NONE | Direct payment from the plan; Investment management Service code 28 | 535 MIDDLEFIELD RD 230 MENLO PARK, CA 94025 | $63K |
| AUDAX GROUP NONE | Investment management; Direct payment from the plan Service code 28 | 4 EMBARCADERO CTR SAN FRANCISCO, CA 94111 | $30K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $22K |
| OPUS INVESTMENT ADVISORS EIN 56-8559330 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $17K |
| INVESCO EIN 85-3357652 NONE | Soft dollars commissions; Investment management Service code 28 | — | $8K |
| WAGNER LAW GROUP NONE | Legal; Direct payment from the plan Service code 29 | 315 MONTGOMERY ST 904 SAN FRANCISCO, CA 94104 | $7K |
| BOEHM & ASSOCIATES EIN 94-2361175 NONE | Legal Service code 29 | — | $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 | 19,493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,268 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 24,761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 5,066 | $2.7M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 19,904 | $846K |
| Other(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 19,904 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 45,323 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.