| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N | — | UNITED HEALTHCARE | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHWEST ADMINISTRATORS EIN 91-0680697 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $713K |
| DELTA DENTAL EIN 94-1461312 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $404K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $123K |
| LEONARD CARDER LLP EIN 94-2819269 NONE | Legal; Direct payment from the plan Service code 29 | — | $116K |
| LOUISE RUSH EIN 94-1645611 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $110K |
| ASCENDENT HEALTHCARE EIN 26-3768186 NONE | Consulting (general); Other services; Direct payment from the plan Service code 16 | — | $92K |
| PAUL GEHRMAN NONE | Other services; Direct payment from the plan Service code 49 | 430 ELM AVE LARKSPUR, CA 94939 | $69K |
| AABCO PRINTING NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating Service code 15 | 1300 GALAXY WAY STE 20 CONCORD, CA 94520 | $66K |
| YUE HUA MAI EIN 94-1645611 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $66K |
| LORD ABBETT EIN 13-5620131 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $40K |
| ULLICO EIN 13-1423090 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $36K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $33K |
| INCOME RESEARCH MANAGEMENT EIN 04-2955404 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $33K |
| SELF HELP FOR THE ELDERLY EIN 94-1750717 NONE | Direct payment from the plan; Other services Service code 49 | — | $32K |
| SCHOLARMATCH NONE | Other services; Direct payment from the plan Service code 49 | 849 VALENCIA ST SAN FRANCISCO, CA 94110 | $30K |
| UNITE HERE LOCAL 2 NONE | Direct payment from the plan; Other services Service code 49 | 209 GOLDEN GATE AVE SAN FRANCISCO, CA 94102 | $28K |
| VANGUARD EIN 23-1945930 NONE | Investment management; Direct payment from the plan Service code 28 | — | $28K |
| YURITZTY RODRIGUEZ EIN 94-1645611 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $27K |
| MARSH MCLENNAN AGENCY LLC EIN 36-2668272 NONE | Insurance services; Insurance agents and brokers Service code 22 | — | $22K |
| TECH HOSPITALITY, INC. NONE | Other services; Direct payment from the plan; Consulting (general) Service code 16 | 870 MARKET ST STE 1056 SAN FRANCISCO, CA 94102 | $20K |
| PAULETTE MCMILLIAN EIN 80-0669079 NONE | Direct payment from the plan; Accounting (including auditing); Consulting (general) Service code 10 | — | $20K |
| DIRECT MARKETING SOLUTIONS, INC. NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | 8534 NE ALDERWOOD RD PORTLAND, OR 97220 | $6K |
| COMPLIANCE AUDIT SERVICES, INC. NONE | Accounting (including auditing); Other services Service code 10 | 2249 DERRY WAY SOUTH SAN FRANCISCO, CA 94080 | $5K |
| MARSH & MCLENNAN AGENCY | Insurance agents and brokers; Insurance services Service code 22 | — | $3K |
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 | 6,219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,842 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,061 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE SHIELD OF CALIFORNIA | 3,208 | $32.2M |
| Dental | INTERDENT | 0 | $23K |
| Vision(2 contracts, 2 carriers) | HEALTH NET | 5,650 | $2.7M |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 3,208 | $29.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,146 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.