| 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 | $596K | — | $596K | 4.20% |
| 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. | $252K | — | $252K | 2.15% |
| 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 | $99K | — | $99K | 3.00% |
| 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 | $80K | — | $80K | 3.26% |
| 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 | $23K | — | $23K | 5.01% |
| 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. | $6K | — | $6K | 1.74% |
| 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. | $23K | — | $23K | 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 | $953 | — | $953 | 14.32% |
| WILLNER-CARDINET-KIDWELL3 | 333 N INDIAN HILL BLVD CLAREMONT, CA 91711 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $19 | — | $19 | 0.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS NONE | Direct payment from the plan; Contract Administrator Service code 13 | 1600 HARBOR BAY PARKWAY, STE 200 ALAMEDA, CA 94502 | $109K |
| MARIA RIVERA EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $87K |
| LINDQUIST LLP EIN 52-2385296 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $78K |
| WELLDYNE RX EIN 84-1515837 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $73K |
| BAKER & MCKENZIE EIN 36-2137456 NONE | Legal; Direct payment from the plan Service code 29 | — | $58K |
| CONCETTA DIFRANCIA CRUZ EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $49K |
| 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 | — | $45K |
| STEPHANIE GUERRA EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $44K |
| JILLIAN BAIRES EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $43K |
| TINA FAN EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 1625 MARKET STREET SAN FRANCISCO, CA 94103 | $42K |
| SEGAL BRYANT & HAMILL EIN 41-1788385 NONE | Investment management; Direct payment from the plan Service code 28 | — | $22K |
| LAW FIRM OF JAMES P. BAKER EIN 57-8701269 NONE | Legal; Direct payment from the plan Service code 29 | — | $21K |
| R. L. MILSNER EIN 94-2494656 NONE | Insurance brokerage commissions and fees Service code 53 | — | $19K |
| BANK OF AMERICA NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | 100 NORTH TRYON STREET CHARLOTTE, NC 28255 | $18K |
| PRO PRINT EIN 94-3160648 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $13K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $6K |
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 | 1,409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 198 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,607 | 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 | 2,054 | $28.7M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,476 | $3.3M |
| Vision | VISION SERVICE PLAN | 1,456 | $466K |
| Life insurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE CO. | 1,301 | $236K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,046 | $14.2M |
| Other(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE CO. | 1,301 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,054 | — |
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.