| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHERN CA CEMENT MASONS ADMIN EIN 94-1583754 PARTY-IN-INTEREST | Plan Administrator; Direct payment from the plan Service code 14 | — | $509K |
| ZENITH AMERICAN SOLUTIONS NONE | Plan Administrator; Direct payment from the plan Service code 14 | 1600 HARBOR BAY PARKWAY, SUITE 200 ALAMEDA, CA 94502 | $474K |
| ANTHEM BLUE CROSS OF CA EIN 95-3760980 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $361K |
| SEGAL CONSULTING EIN 94-1503999 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $254K |
| DELTA DENTAL EIN 94-1461312 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $172K |
| MCMORGAN EIN 52-2334338 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $97K |
| QUEST DIAGNOSTICS NONE | Other services; Direct payment from the plan Service code 49 | 10101 RENNER BLVD. LENEXA, KS 66219 | $68K |
| WEINBERG, ROGER & ROSENFELD EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $55K |
| BULLIVANT HOUSER & BAILEY EIN 93-6246493 NONE | Legal; Direct payment from the plan Service code 29 | — | $51K |
| PACIFIC HEALTH ALLIANCE NONE | Direct payment from the plan; Claims processing Service code 12 | 1525 ROLLINS RD, SUITE B BURLINGAME, CA 94010 | $47K |
| VISION SERVICE PLAN NONE | Direct payment from the plan; Claims processing Service code 12 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | $34K |
| VAVRINEK, TRINE, DAY & CO., LLP EIN 95-2648289 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $27K |
| US BANK NONE | Custodial (securities); Direct payment from the plan Service code 19 | 633 W. 5TH STREET LOS ANGELES, CA 90071 | $7K |
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 | 2,574 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 509 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,083 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 89 | $83K |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 7,897 | $1.5M |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC - STOP LOSS GROUP | 3,596 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,897 | — |
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.
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.