No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INTERNATIONAL EIN 33-0315047 N/A | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $724K |
| FRINGE BENEFIT GROUP, INC. N/A | Insurance agents and brokers; Contract Administrator; Direct payment from the plan Service code 13 | 11910 ANDERSON MILL ROAD, STE 401 AUSTIN, TX 78726 | $390K |
| GAROFOLO & RAMSDELL, LLP N/A | Legal; Direct payment from the plan Service code 29 | 3443 GOLDEN GATE WAY H LAFAYETTE, CA 94549 | $132K |
| RR DONNELLEY COMPANY N/A | Direct payment from the plan; Copying and duplicating Service code 36 | 955 GATEWAY CENTER WAY SAN DIEGO, CA 92102 | $47K |
| MOSS ADAMS LLP EIN 91-0189318 N/A | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $47K |
| ABC-NCC EIN 92-3378739 PLAN SPONSOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $43K |
| THE WAGNER LAW GROUP N/A | Legal; Direct payment from the plan Service code 29 | 402 W BROADWAY SAN DIEGO, CA 92101 | $30K |
| CHARLES SCHWAB N/A | Investment management; Investment management fees paid directly by plan Service code 28 | 6200 STONEBRIDGE MAIL ROAD PLEASANTON, CA 94588 | $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 | 1,438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 581 | $10.1M |
| Dental | GUARDIAN | 1,299 | $228K |
| Vision | GUARDIAN | 1,299 | $228K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 1,299 | $233K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 581 | $10.1M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 1,299 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,299 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.