| 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 | 1.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORCORAN ADMINISTRATORS, INC. EIN 27-5364514 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Participant communication Service code 12 | — | $1.5M |
| ELIXIR SOLUTIONS, LLC EIN 90-1011712 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $563K |
| ANTHEM BLUE CROSS EIN 95-3760980 NONE | Claims processing; Direct payment from the plan; Other services; Insurance services Service code 12 | — | $107K |
| MCMORGAN & CO. EIN 52-2334338 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $106K |
| INNOVATIVE COST MANAGEMENT SERVICES EIN 77-0119752 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $89K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $88K |
| BEESON, TAYER & BODINE EIN 94-3126136 NONE | Legal; Direct payment from the plan Service code 29 | — | $64K |
| HEALTHLINX, LLC. EIN 87-0660214 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $53K |
| TEAMSTERS ASSISTANCE PROGRAM EIN 68-0048516 NONE | Other services; Direct payment from the plan Service code 49 | — | $52K |
| FUSION HEALTH, LLC EIN 36-4797693 NONE | Other services; Direct payment from the plan Service code 49 | — | $43K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $42K |
| EPLAN EIN 20-3720767 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $26K |
| ARRIN CONSULTING EIN 68-0023291 NONE | Claims processing; Direct payment from the plan; Consulting (general) Service code 12 | — | $18K |
| WHEELER-SONOMA PRINTERS EIN 20-8452680 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $13K |
| STEPHEN HORN INSURANCE SERVICES EIN 94-3249244 NONE | Insurance brokerage commissions and fees Service code 53 | — | $10K |
| FREMONT BANK EIN 94-1569025 NONE | Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $9K |
| LINDQUIST LLP EIN 52-2385296 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $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 | 2,635 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 824 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 786 | $9.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 508 | $137K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,299 | $185K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 418 | $1.7M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 2,299 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,750 | — |
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.