| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR BENEFITS, LLC3 | 10104 SENATE DRIVE, SUITE 233 LANHAM, MD 20706 | UNITED AMERICAN INSURANCE COMPANY | $28K | — | $28K | 2.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORCORAN ADMINISTRATORS, INC. EIN 27-5364514 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Participant communication; Claims processing Service code 12 | — | $1.4M |
| ELIXIR SOLUTIONS EIN 90-1011712 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $423K |
| MCMORGAN & CO. EIN 52-2334338 NONE | Direct payment from the plan; Investment management Service code 28 | — | $276K |
| ANTHEM BLUE CROSS EIN 95-3760980 NONE | Float revenue; Other fees; Direct payment from the plan; Insurance services; Other services; Claims processing Service code 12 | — | $104K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $84K |
| INNOVATIVE COST MANAGEMENT SERVICES EIN 77-0119752 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $82K |
| FUSION HEALTH EIN 36-4797693 NONE | Other services; Direct payment from the plan Service code 49 | — | $62K |
| BEESON, TAYER & BODINE EIN 94-3126136 NONE | Legal; Direct payment from the plan Service code 29 | — | $53K |
| TEAMSTERS ASSISTANCE PROGRAM EIN 68-0048516 NONE | Direct payment from the plan; Other services Service code 49 | — | $50K |
| LINDQUIST LLP EIN 52-2385296 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $39K |
| HEALTHLINX, LLC. EIN 87-0660214 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $34K |
| ARRIN CONSULTING EIN 68-0023291 NONE | Direct payment from the plan; Consulting (general); Claims processing Service code 12 | — | $18K |
| FREMONT BANK EIN 94-1569025 NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | — | $13K |
| EPLAN EIN 20-3720767 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $10K |
| MEDEXPERT NONE | Other services; Direct payment from the plan Service code 49 | 1300 HANCOCK STREET REDWOOD CITY, CA 94063 | $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 | 2,527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 782 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 911 | $9.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 478 | $125K |
| Life insurance(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,237 | $5.2M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 396 | $1.3M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 2,237 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,720 | — |
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.