| 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 | — | NEWPORT DENTAL PLAN | — | — | $0 | 0.00% |
| NONE | — | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | DELTA DENTAL OF CALIFORNIA | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LABORERS FUND ADMINISTRATION EIN 94-1563547 NONE | Plan Administrator; Direct payment from the plan Service code 14 | 220 CAMPUS LANE FAIRFIELD, CA 94534 | $7.8M |
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 NONE | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing; Contract Administrator; Other services Service code 12 | — | $3.4M |
| HEALTHWAYS EIN 95-4402957 NONE | Claims processing; Direct payment from the plan Service code 12 | 21281 BURBANK BLVD WOODLAND HILLS, CA 91367 | $1.2M |
| DELTA DENTAL EIN 94-1461312 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.1M |
| HEALTH & SAFETY FUND EIN 52-1569286 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $652K |
| OPTUMRX EIN 33-0441200 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $422K |
| MCMORGAN & COMPANY EIN 94-1650768 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $289K |
| WEINBURG ET AL EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $220K |
| BULLIVANT HOUSER EIN 93-6246493 NONE | Legal; Direct payment from the plan Service code 29 | — | $193K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $132K |
| US HEALTHWORKS NONE | Consulting (general); Direct payment from the plan Service code 16 | PO BOX 50042 LOS ANGELES, CA 90074 | $106K |
| EYE MED NONE | Direct payment from the plan; Claims processing Service code 12 | 4000 LUXOTTICA PLACE MASON, OH 45040 | $91K |
| AMERICAN HEALTH HOLDING INC. EIN 31-1368946 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $60K |
| HEMMING MORSE EIN 30-0702322 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $50K |
| HEALTHX INC. EIN 35-1928243 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $43K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $27K |
| US BANK EIN 31-0841368 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | 1555 N RIVER CENTER DR. STE 300 MILWAUKEE, WI 53212 | $22K |
| JOHN W ROBERTS, MD EIN 68-0345689 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 4165 BLACKHAWK PLAZA CIRCLE,STE 100 DANVILLE, CA 94506 | $20K |
| VERUS ADVISORY INC. EIN 91-1320111 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $17K |
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 | 18,350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,798 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 21,148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | NEWPORT DENTAL PLAN | 678 | $396K |
| Other | CLAREMONT | 20,807 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,807 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.