| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R.L. MILSNER INC.3 | 1233 ALPINE ROAD WALNUT CREEK, CA 94596 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $511K | — | $511K | 4.20% |
| R.L. MILSNER INC.3 | 1233 ALPINE ROAD WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $161K | — | $161K | 1.90% |
| R.L. MILSNER INC.3 | 1233 ALPINE ROAD WALNUT CREEK, CA 94596 | CIGNA HEALTHCARE OF CALIFORNIA | $85K | — | $85K | 3.26% |
| R.L. MILSNER INC.3 Filed as: R.L. MILSNER AND CO | 1233 ALPINE ROAD WALNUT CREEK, CA 94596 | DELTA DENTAL OF CALIFORNIA | $75K | — | $75K | 3.00% |
| R.L. MILSNER INC.3 | 1233 ALPINE ROAD WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $17K | — | $17K | 5.00% |
| R.L. MILSNER INC.3 | 1233 ALPINE ROAD WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 1.86% |
| R.L. MILSNER INC.3 | 1233 ALPINE ROAD WALNUT CREEK, CA 94596 | THE UNION LABOR LIFE INSURANCE CO. | $22K | — | $22K | 10.00% |
| R.L. MILSNER INC.3 Filed as: R.L. MILSNER AND CO | 1233 ALPINE ROAD WALNUT CREEK, CA 94596 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $1K | — | $1K | 14.37% |
| WILLNER-CARDINET-KIDWELL3 | 333 N INDIAN HILL BLVD CLAREMONT, CA 91711 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $20 | — | $20 | 0.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLDYNE RX EIN 83-0338400 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $76K |
| HEALTH SERVICES & BENEFIT ADMIN EIN 94-3089465 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Direct payment from the plan; Contract Administrator; Participant communication; Claims processing Service code 12 | — | $65K |
| LINDQUIST LLP EIN 52-2385296 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $60K |
| MARIA JACINI EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $52K |
| PETER MACHI EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $51K |
| CONCETTA DIFRANCIA CRUZ EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $35K |
| LITHOGRAPH REPRODUCTIONS INC EIN 94-1235474 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $34K |
| STEPHANIE GUERRA EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $29K |
| ROBERT WEINSTIEN EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $27K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $26K |
| MORGAN STANLEY EIN 20-8754829 NONE | Other investment fees and expenses; Other services; Investment advisory (plan); Other commissions; Securities brokerage commissions and fees; Securities brokerage; Custodial (securities); Direct payment from the plan Service code 19 | — | $17K |
| BAKER & MCKENZIE EIN 36-2137456 NONE | Legal; Direct payment from the plan Service code 29 | — | $17K |
| SEGAL BRYANT & HAMILL EIN 41-1788385 NONE | Direct payment from the plan; Investment management Service code 28 | — | $15K |
| R. L. MILSNER EIN 94-2494656 NONE | Insurance brokerage commissions and fees Service code 53 | — | $15K |
| BANK OF AMERICA NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | 100 NORTH TRYON STREET CHARLOTTE, NC 28255 | $5K |
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 | 1,390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 205 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,125 | $23.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,474 | $2.5M |
| Vision | VISION SERVICE PLAN | 1,412 | $343K |
| Life insurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE CO. | 1,404 | $226K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,125 | $12.2M |
| Other | GUARDIAN LIFE INSURANCE CO OF AMERICA | 15 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,125 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.