| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 W 34TH ST NEW YORK, NY 10001 | UNION LABOR LIFE INSURANCE COMPANY | $165 | — | $165 | 1.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS NONE | Custodial (securities) Service code 19 | 1600 HARBOR BAY PKWAY STE 200 ALAMEDA, CA 94502 | $419K |
| ANTHEM BLUE CROSS OF CA EIN 95-4331852 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing Service code 12 | — | $200K |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 NONE | Claims processing Service code 12 | — | $137K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general) Service code 16 | — | $91K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $44K |
| PHARMACY BENEFIT SOLUTIONS, INC NONE | Consulting (general) Service code 16 | 7610 AUBURN BLVD #8 CITRUS HEIGHTS, CA 95610 | $35K |
| DENVER MANAGEMENT ADVISORS INC EIN 55-0888767 NONE | Consulting (general) Service code 16 | — | $29K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Investment management Service code 28 | — | $28K |
| OPERATING ENGINEERS LOCAL 3 EIN 94-0577785 PARTY IN INTEREST | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $27K |
| INCOME RESEARCH & MANAGEMENT EIN 04-2955404 NONE | Investment management Service code 28 | — | $26K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Claims processing Service code 12 | — | $21K |
| WEINBERG, ROGER, AND ROSENFELD EIN 94-2458080 NONE | Legal Service code 29 | — | $17K |
| ASSISTANCE RECOVERY PROGRAM EIN 94-3042622 NONE | Direct payment from the plan; Other services Service code 49 | — | $15K |
| OPTUM RX EIN 33-0441200 NONE | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | — | $12K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-1645862 NONE | Investment advisory (plan) Service code 27 | — | $10K |
| STEPHEN HORN INSURANCE SERVICES EIN 94-3249244 NONE | Insurance brokerage commissions and fees Service code 53 | — | $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 | 1,401 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 528 | $3.7M |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 960 | $39K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 834 | $794K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 960 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 960 | — |
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.