| 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 | $372K | — | $372K | 2.54% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS. SERVICES OF THE WEST, LLC | 1233 ALPINE ROAD STE. 201 WALNUT CREEK, CA 94596 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $187K | — | $187K | 1.28% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS. SERVICES OF THE WEST, LLC | 1233 ALPINE ROAD STE. 201 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $167K | — | $167K | 1.61% |
| R.L. MILSNER INC.3 | 1233 ALPINE ROAD WALNUT CREEK, CA 94596 | DELTA DENTAL OF CALIFORNIA | $87K | — | $87K | 3.00% |
| R.L. MILSNER INC.3 | 1233 ALPINE ROAD WALNUT CREEK, CA 94596 | CIGNA HEALTHCARE OF CALIFORNIA | $53K | — | $53K | 1.97% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS. SERVICES OF THE WEST, LLC | 1233 ALPINE ROAD STE. 201 WALNUT CREEK, CA 94596 | CIGNA HEALTHCARE OF CALIFORNIA | $27K | — | $27K | 0.99% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS. SERVICES OF THE WEST, LLC | 6200 CANOGA AVE. STE. 325 WOODLAND HILLS, CA 913677475 | VISION SERVICE PLAN | $5K | — | $5K | 1.21% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS. SERVICES OF THE WEST, LLC | 1233 ALPINE ROAD STE. 201 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 1.40% |
| R.L. MILSNER INC.3 | 1233 ALPINE ROAD WALNUT CREEK, CA 94596 | THE UNION LABOR LIFE INSURANCE CO. | $22K | — | $22K | 9.15% |
| 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 | $900 | — | $900 | 14.06% |
| WILLNER-CARDINET-KIDWELL3 | 333 N INDIAN HILL BLVD CLAREMONT, CA 91711 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $18 | — | $18 | 0.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLDYNE RX EIN 84-1515837 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $79K |
| LINDQUIST LLP EIN 52-2385296 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $64K |
| MARIA RIVERA EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $63K |
| RAEL & LETSON EIN 94-1701048 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $38K |
| HEALTH SERVICES & BENEFIT ADMIN EIN 94-3089465 NONE | Participant communication; Contract Administrator; Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing Service code 12 | — | $38K |
| CONCETTA DIFRANCIA CRUZ EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $36K |
| MORGAN STANLEY EIN 20-8754829 NONE | Securities brokerage; Direct payment from the plan; Custodial (securities); Other investment fees and expenses; Securities brokerage commissions and fees; Other commissions; Investment advisory (plan); Other services Service code 19 | — | $33K |
| STEPHANIE GUERRA EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $33K |
| JILLIAN BAIRES EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $32K |
| ZENITH AMERICAN SOLUTIONS NONE | Contract Administrator; Direct payment from the plan Service code 13 | 1600 HARBOR BAY PARKWAY, STE 200 ALAMEDA, CA 94502 | $32K |
| TINA FAN EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $31K |
| BAKER & MCKENZIE EIN 36-2137456 NONE | Legal; Direct payment from the plan Service code 29 | — | $20K |
| SEGAL BRYANT & HAMILL EIN 41-1788385 NONE | Direct payment from the plan; Investment management Service code 28 | — | $17K |
| R. L. MILSNER EIN 94-2494656 NONE | Insurance brokerage commissions and fees Service code 53 | — | $13K |
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 | 1,509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 200 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,709 | 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 | 2,168 | $28.0M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,543 | $2.9M |
| Vision | VISION SERVICE PLAN | 1,567 | $398K |
| Life insurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE CO. | 1,514 | $247K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,168 | $14.7M |
| Other | GUARDIAN LIFE INSURANCE CO OF AMERICA | 16 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,168 | — |
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.