| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLANS, INC. | $164K | — | $164K | 1.38% |
| CONNELL, JOHN F | 10877 WHITE ROCK RD STE 300 RANCHO CORDOVA, CA 95670 | WESTERN HEALTH ADVANTAGE | $119K | — | $119K | 1.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | WESTERN HEALTH ADVANTAGE | $45K | — | $45K | 2.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | WESTERN HEALTH ADVANTAGE | $20K | — | $20K | 2.00% |
| CONNELL, JOHN F3 | 10877 WHITE ROCK RD STE 300 RANCHO CORDOVA, CA 95670 | WESTERN HEALTH ADVANTAGE | $27K | — | $27K | 4.39% |
| J | — | WESTERN HEALTH ADVANTAGE | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS NONE | Contract Administrator; Direct payment from the plan Service code 13 | 1141 HARBOR BAY PKWY STE 100 ALAMEDA, CA 94502 | $209K |
| NEYHART, ANDERSON, FLYNN & GROSBOLL EIN 94-2562134 NONE | Legal; Direct payment from the plan Service code 29 | — | $93K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 26-4310632 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $50K |
| NWPS EIN 91-2090931 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $47K |
| GARCIA HAMILTON & ASSOCIATES, LP EIN 76-0589652 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $44K |
| IBEW LOCAL 340 SPONSOR | Other services; Direct payment from the plan Service code 49 | 10240 SYSTEMS PKWY SACRAMENTO, CA 95827 | $35K |
| CORPORATE MAILING SERVICE EIN 46-2336568 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $29K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $25K |
| UNITED ADMINISTRATIVE SERVICES EIN 94-1749354 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $15K |
| MATRIX TRUST COMPANY EIN 75-3182674 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $11K |
| CHRISTOPHER GRIFFITH TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 10240 SYSTEMS PKWY SACRAMENTO, CA 95827 | $7K |
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 | 1,415 | 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) | 1,415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 1,571 | $22.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 3,295 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,415 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,295 | — |
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.