| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCE SERVICES INC. | PO BOX 9026 PLEASANTON, CA 94566 | DELTA DENTAL OF CALIFORNIA | $265K | — | $265K | 1.87% |
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCE SVCS INC | PO BOX 9026 PLEASANTON, CA 94566 | UNITED HEALTHCARE INSURANCE CO | $47K | — | $47K | 12.11% |
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCE SERVICES INC. | PO BOX 9026 PLEASANTON, CA 94566 | UNITED HEALTHCARE INSURANCE CO | $25K | — | $25K | 12.00% |
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCE SERVICES INC. | PO BOX 9026 PLEASANTON, CA 94566 | UNITED HEALTHCARE INSURANCE CO | $6K | — | $6K | 7.03% |
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCE SERVICES INC. | PO BOX 9026 PLEASANTON, CA 94566 | RELIANCE STANDARD LIFE INSURANCE CO | $2K | — | $2K | 10.10% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE CO | — | $330 | $330 | 1.45% |
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCE SERVICES INC. | PO BOX 9026 PLEASANTON, CA 94566 | VISION SERVICE PLAN | $963 | — | $963 | 5.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DUBLIN INSURANCE SERVICES, INC. EIN 94-3204324 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $2.6M |
| AABCO PRINTING NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 1300 GALAXY WAY STE 200 CONCORD, CA 94520 | $127K |
| REFINED TECHNOLOGIES, INC. EIN 77-0482870 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $64K |
| WEINBERG, ROGER, & ROSENFELD EIN 94-3019439 NONE | Legal; Direct payment from the plan Service code 29 | — | $60K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $33K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $30K |
| CORODATA NONE | Direct payment from the plan; Other services Service code 49 | 2621 RESEARCH DR CORONA, CA 92882 | $13K |
| BRI COBRA, INC. NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 245 KENNETH DR ROCHESTER, NY 14623 | $10K |
| KRAW & KRAW NONE | Legal; Direct payment from the plan Service code 29 | 605 ELLIS ST STE 200 MOUNTAIN VIEW, CA 94043 | $6K |
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 | 26,625 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN,INC. | 16,103 | $214.8M |
| Vision | VISION SERVICE PLAN | 330 | $18K |
| Prescription drug(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 748 | $8.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,103 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.