| 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 | — | $7.3M |
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $2.5M |
| HST TECHNOLOGY NONE | Claims processing; Direct payment from the plan Service code 12 | 23382 MILL CREEK DR. STE 200 LAGUNA HILLS, CA 92653 | $1.4M |
| DELTA DENTAL EIN 94-1461312 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.2M |
| POST ADVISORY GROUP EIN 95-4818300 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $706K |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $648K |
| QUEST NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 5335 MEADOWS ROAD 400 LAKE OSWEGO, OR 97035 | $548K |
| FISHER INVESTMENTS EIN 20-2480800 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $376K |
| MCMORGAN & CO EIN 52-2334338 NONE | Investment management fees paid directly by plan; Investment management; Soft dollars commissions Service code 28 | — | $316K |
| FOUNDRY PARTNERS LLC EIN 46-1184506 NONE | Soft dollars commissions; Investment management; Securities brokerage commissions and fees; Investment management fees paid directly by plan Service code 28 | — | $301K |
| SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $257K |
| 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 | — | $103K |
| WEINBERG, ROGER AND ROSENFELD EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $85K |
| BANK OF NEW YORK MELLON EIN 95-3571558 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $84K |
| ROTHSCHILD NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 311 S WACKER DRIVE 5900 CHICAGO, IL 60606 | $75K |
| BOEHM & ASSOCIATES EIN 94-2361175 NONE | Legal; Direct payment from the plan; Other commissions Service code 29 | — | $40K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-2432390 NONE | Investment management fees paid directly by plan; Investment advisory (plan); Investment management; Other investment fees and expenses Service code 27 | — | $40K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $34K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $20K |
| WAGNER LAW GROUP NONE | Legal; Direct payment from the plan Service code 29 | 315 MONTGOMERY ST 904 SAN FRANCISCO, CA 94104 | $9K |
| ALLAN BILLER ASSOCIATES NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 535 MIDDLEFIELD RD 230 MENLO PARK, CA 94025 | $8K |
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 | 20,375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,312 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 25,687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 4,882 | $2.6M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 47,599 | $648K |
| Other(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 47,599 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,599 | — |
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.