| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $583K | — | $583K | 3.90% |
| R.L. MILSNER INC.3 | 1233 ALPINE ROAD WALNUT CREEK, CA 94596 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$4K | — | -$4K | -0.02% |
| 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. | $270K | — | $270K | 2.28% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS. SERVICES OF THE WEST, LLC | 1233 ALPINE ROAD WALNUT CREEK, CA 94596 | DELTA DENTAL OF CALIFORNIA | $52K | — | $52K | 1.51% |
| R.L. MILSNER INC.3 | 1233 ALPINE ROAD WALNUT CREEK, CA 94596 | DELTA DENTAL OF CALIFORNIA | $52K | — | $52K | 1.49% |
| 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 | $75K | — | $75K | 3.03% |
| R.L. MILSNER INC.3 | 1233 ALPINE ROAD WALNUT CREEK, CA 94596 | CIGNA HEALTHCARE OF CALIFORNIA | -$518 | — | -$518 | -0.02% |
| 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 | $28K | — | $28K | 4.99% |
| 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. | $5K | — | $5K | 1.84% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS. SERVICES OF THE WEST, LLC | 6200 CANOGA AVE. STE. 325 WOODLAND HILLS, CA 91367 | THE UNION LABOR LIFE INSURANCE CO. | $25K | — | $25K | 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 | $931 | — | $931 | 14.31% |
| 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 |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS NONE | Contract Administrator; Direct payment from the plan Service code 13 | 1600 HARBOR BAY PARKWAY, STE 200 ALAMEDA, CA 94502 | $80K |
| MARIA RIVERA EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $74K |
| WELLDYNE RX EIN 84-1515837 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $70K |
| LINDQUIST LLP EIN 52-2385296 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $70K |
| BAKER & MCKENZIE EIN 36-2137456 NONE | Legal; Direct payment from the plan Service code 29 | — | $47K |
| MORGAN STANLEY EIN 20-8754829 NONE | Other services; Other commissions; Investment advisory (plan); Direct payment from the plan; Custodial (securities); Securities brokerage commissions and fees; Other investment fees and expenses; Securities brokerage Service code 19 | — | $44K |
| CONCETTA DIFRANCIA CRUZ EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $41K |
| JILLIAN BAIRES EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $38K |
| TINA FAN EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $36K |
| STEPHANIE GUERRA EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $28K |
| RAEL & LETSON EIN 94-1701048 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $27K |
| SEGAL BRYANT & HAMILL EIN 41-1788385 NONE | Investment management; Direct payment from the plan Service code 28 | — | $22K |
| R. L. MILSNER EIN 94-2494656 NONE | Insurance brokerage commissions and fees Service code 53 | — | $16K |
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 | 196 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,705 | 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 | 2,137 | $29.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,575 | $3.5M |
| Vision | VISION SERVICE PLAN | 1,560 | $556K |
| Life insurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE CO. | 1,501 | $252K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,822 | $15.0M |
| Other(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE CO. | 1,501 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,137 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.