| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHERN CA CEMENT MASONS ADMIN EIN 94-1583754 PARTY-IN-INTEREST | Direct payment from the plan; Plan Administrator Service code 14 | — | $696K |
| ANTHEM BLUE CROSS OF CA EIN 95-3760980 NONE | Float revenue; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing Service code 12 | — | $362K |
| SEGAL COMPANY EIN 94-1503999 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $240K |
| DELTA DENTAL EIN 94-1461312 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $137K |
| ZENITH AMERICAN SOLUTIONS NONE | Plan Administrator; Direct payment from the plan Service code 14 | 1600 HARBOR BAY PARKWAY, SUITE 200 ALAMEDA, CA 94502 | $101K |
| MCMORGAN EIN 52-2334338 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $78K |
| BULLIVANT HOUSER & BAILEY EIN 93-6246493 NONE | Legal; Direct payment from the plan Service code 29 | — | $72K |
| WEINBERG EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $69K |
| QUEST DIAGNOSTICS NONE | Direct payment from the plan; Other services Service code 49 | 10101 RENNER BLVD. LENEXA, KS 66219 | $60K |
| PACIFIC HEALTH ALLIANCE EIN 94-3010573 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $41K |
| HEMMING MORSE EIN 30-0702322 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $32K |
| VISION SERVICE PLAN NONE | Claims processing; Direct payment from the plan Service code 12 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | $29K |
| E-PLAN NONE | Other services; Direct payment from the plan Service code 49 | 22601 N. 19TH AVE. STE 202 PHOENIX, AZ 85027 | $27K |
| LABORERS FUND ADMINISTRATIVE OFFICE EIN 94-1563547 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $20K |
| OPTUMRX EIN 33-0441200 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $15K |
| NUWEST INSURANCE SERVICES EIN 36-1436000 NONE | Insurance agents and brokers Service code 22 | — | $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 | 2,128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 544 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 58 | $61K |
| Dental | DELTA DENTAL OF CALIFORNIA | 130 | $23K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,985 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,518 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.