| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC. Filed as: STOP LOSS INSURANCE SERVICES | 940 ADAMS STREET, SUITE G BENICIA, CA 94510 | NATIONAL UNION FIRE INSURANCE CO. OF PA | $29K | — | $29K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 NONE | Direct payment from the plan; Other fees; Claims processing; Float revenue Service code 12 | — | $613K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $477K |
| RAEL & LETSON EIN 94-1701048 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $91K |
| ANTHEM BLUE CROSS LIFE & HEALTH INS EIN 95-4331852 NONE | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services Service code 12 | — | $67K |
| BEESON, TAYER & BODINE EIN 94-3126136 NONE | Legal; Direct payment from the plan Service code 29 | — | $59K |
| MCMORGAN & COMPANY, LLC EIN 52-2334338 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $57K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $54K |
| TEAMSTERS ASSIST PROGRAM EIN 68-0048516 NONE | Direct payment from the plan; Other services Service code 49 | — | $25K |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $12K |
| FREMONT BANK EIN 94-1569025 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $9K |
| RUSSELL G. WOODSON, D.D.S. EIN 52-7115027 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $8K |
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 | 1,171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 111 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,486 | $17.1M |
| Dental(4 contracts, 3 carriers) | NEWPORT DENTAL PLAN | 189 | $151K |
| Vision | VISION SERVICE PLAN | 1,002 | $138K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,187 | $93K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 1,187 | $93K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE CO. OF PA | 245 | $572K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,187 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,486 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.