| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL EDWARD CUTRIGHT | 1700 SOSCOL AVE STE 24 NAPA, CA 945591315 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| U.A. LOCAL 342 JOINT LABOR MGMT EIN 68-0315768 COMMON BOARD OF TRUSTEES | Contract Administrator Service code 13 | — | $1.6M |
| KAUFMANN & GOBLE EIN 94-2614826 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $218K |
| PRINT2ASSIST EIN 71-0944528 NONE | Copying and duplicating Service code 36 | — | $49K |
| NEYHART, ANDERSON & FREITAS EIN 94-2576729 NONE | Legal Service code 29 | — | $41K |
| LINCOLN INVESTMENT EIN 23-1702591 NONE | Investment advisory (plan); Direct payment from the plan; Investment management fees paid directly by plan; Consulting (general) Service code 16 | — | $35K |
| LINDQUIST LLP EIN 52-2385296 NONE | Accounting (including auditing) Service code 10 | — | $27K |
| MAMMINI COMPANY EIN 47-0879697 NONE | Investment management fees paid directly by plan; Direct payment from the plan; Investment advisory (plan); Consulting (general) Service code 16 | — | $23K |
| FREMONT BANK EIN 94-1569025 NONE | Custodial (other than securities) Service code 18 | — | $15K |
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 | 1,664 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 938 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 3,985 | $42.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 5,758 | $4.1M |
| Vision | VISION SERVICE PLAN | 2,539 | $443K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 4,839 | $106K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 3,985 | $26.3M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 4,839 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,758 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.