| 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 | — | 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 | — | 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 | Contract Administrator; Direct payment from the plan Service code 13 | 265 HEGENBERGER ROAD, SUITE 100 OAKLAND, CA 94621 | $6.1M |
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.8M |
| DELTA DENTAL EIN 94-1461312 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.2M |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $690K |
| HST TECHNOLOGY NONE | Direct payment from the plan; Claims processing Service code 12 | 23382 MILL CREEK DR. STE 200 LAGUNA HILLS, CA 92653 | $662K |
| POST ADVISORY GROUP EIN 95-4818300 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $564K |
| MCMORGAN & CO EIN 52-2334338 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $278K |
| FISHER INVESTMENTS EIN 20-2480800 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $257K |
| SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $225K |
| ROTHSCHILD ASSET MANAGEMENT EIN 13-2544634 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $215K |
| FOUNDRY PARTNERS LLC EIN 46-1184506 NONE | Investment management fees paid directly by plan; Securities brokerage commissions and fees; Investment management; Soft dollars commissions Service code 28 | — | $146K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $120K |
| KRAW LAW GROUP EIN 77-0171216 NONE | Legal; Direct payment from the plan Service code 29 | — | $103K |
| WEINBERG, ROGER AND ROSENFELD EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $95K |
| BANK OF NEW YORK MELLON EIN 95-3571558 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $80K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $48K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-2432390 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $40K |
| WAGNER LAW GROUP NONE | Legal; Direct payment from the plan Service code 29 | 315 MONTGOMERY ST 904 SAN FRANCISCO, CA 94104 | $31K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Insurance brokerage commissions and fees; Consulting (general) Service code 16 | — | $25K |
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 | 23,227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,312 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 28,539 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 4,429 | $2.5M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 53,876 | $770K |
| Other(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 53,876 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 53,876 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.