| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS NONE | Direct payment from the plan; Plan Administrator Service code 14 | 1600 HARBOR BAY PARKWAY, SUITE 200 ALAMEDA, CA 94502 | $553K |
| NORTHERN CA CEMENT MASONS ADMIN EIN 94-1583754 PARTY-IN-INTEREST | Direct payment from the plan; Plan Administrator Service code 14 | — | $434K |
| ANTHEM BLUE CROSS OF CA EIN 95-3760980 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $399K |
| SEGAL CONSULTING EIN 94-1503999 NONE | Consulting (general); Direct payment from the plan Service code 16 | 100 MONTGOMERY STREET, SUITE 500 SAN FRANCISCO, CA 94104 | $228K |
| DELTA DENTAL EIN 94-1461312 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $194K |
| MCMORGAN EIN 52-2334338 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $75K |
| QUEST DIAGNOSTICS NONE | Direct payment from the plan; Claims processing Service code 12 | 10101 RENNER BLVD. LENEXA, KS 66219 | $58K |
| 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 Service code 29 | — | $51K |
| VISION SERVICE PLAN NONE | Direct payment from the plan; Claims processing Service code 12 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | $45K |
| PACIFIC HEALTH ALLIANCE NONE | Direct payment from the plan; Claims processing Service code 12 | 1525 ROLLINS RD, SUITE B BURLINGAME, CA 94010 | $45K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $11K |
| US BANK NONE | Direct payment from the plan; Custodial (securities) Service code 19 | 633 W. 5TH STREET LOS ANGELES, CA 90071 | $10K |
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 | 3,304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 522 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,826 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 90 | $79K |
| Dental | DELTA DENTAL OF CALIFORNIA | 279 | $37K |
| Stop-loss / reinsurancereinsurance(2 contracts) | PARTNERRE AMERICA INSURANCE COMPANY | 1,884 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,214 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.