| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 W 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMP | $1K | — | $1K | 1.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 1600 HARBOR BAY PKWY STE 200 ALAMEDA, CA 94502 | $3.6M |
| CHARTWELL INVESTMENT PARTNERS NONE | Investment management Service code 28 | 1205 WESTLAKES DR STE 100 BERWYN, PA 19312 | $382K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general) Service code 16 | — | $358K |
| MCMORGAN & COMPANY NONE | Investment advisory (participants) Service code 26 | ONE FRONT ST STE 100 SAN FRANCISCO, CA 94111 | $305K |
| INCOME RESEARCH & MANAGEMENT NONE | Investment advisory (participants) Service code 26 | 100 FEDERAL ST 30TH FL BOSTON, MA 02110 | $210K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Other fees; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $182K |
| SALTZMAN AND JOHNSON EIN 95-2376174 NONE | Legal Service code 29 | — | $157K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $111K |
| MPSA, INC. EIN 81-3751949 NONE | Direct payment from the plan Service code 50 | — | $83K |
| ENGINEERS PUBLISHING NONE | Direct payment from the plan Service code 50 | 3920 LENNANE DR SACRAMENTO, CA 95834 | $64K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Investment management Service code 28 | — | $50K |
| MAILRITE PRINT & MAIL, INC. NONE | Copying and duplicating Service code 36 | 834 STRIKE AVE STE C SACRAMENTO, CA 95834 | $49K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $48K |
| PHARMACY BENEFIT SOLUTIONS, INC. NONE | Consulting (general) Service code 16 | PO BOX 1516 MARTINEZ, CA 94553 | $46K |
| FREMONT BANK NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 39150 FREMONT BLVD FREMONT, CA 94538 | $13K |
| BOEHM & ASSOCIATES NONE | Insurance services Service code 23 | 1320 HARBOR BAY PKWY STE 140 ALAMEDA, CA 94502 | $0 |
| INVESTMENT PERFORMANCE SERVICES | Investment advisory (plan) Service code 27 | — | $0 |
| STEPHEN HORN INSURANCE SVCS EIN 94-3249244 NONE | Insurance services Service code 23 | — | $0 |
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 | 16,289 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 16,289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 11,811 | $57.3M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL | 32,039 | $15.5M |
| Vision | VISION SERVICE PLAN | 14,058 | $1.9M |
| Life insurance(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 32,233 | $505K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 1,842 | $79K |
| Stop-loss / reinsurancereinsurance(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 9,306 | $6.9M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 32,233 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32,233 | — |
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.