| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | 5090 N 40TH STREET, STE. 100 PHOENIX, AZ 850182112 | RELIASTAR LIFE INSURANCE COMPANY | $11K | $61K | $72K | 5.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA FUND ADMINISTRATORS, LLC EIN 45-2636626 NONE | Contract Administrator; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $6.5M |
| ANTHEM BLUE CROSS EIN 95-3760980 NONE | Claims processing; Insurance services; Direct payment from the plan Service code 12 | — | $2.7M |
| MCMORGAN & COMPANY EIN 52-2334338 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $951K |
| WELLDYNE RX EIN 84-1515837 NONE | Direct payment from the plan; Other services Service code 49 | — | $647K |
| DELTA HEALTH SYSTEMS EIN 94-2353289 NONE | Other services; Direct payment from the plan Service code 49 | — | $441K |
| TEAMSTERS ALCO/DRUG REHAB PROGRAM EIN 94-2875955 NONE | Other services; Direct payment from the plan Service code 49 | — | $315K |
| RAEL AND LETSON EIN 94-1701048 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $123K |
| BEESON, TAYER, BODINE EIN 94-3126136 NONE | Legal; Direct payment from the plan Service code 29 | — | $97K |
| EMPLOYER AUDITING SERVICES NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | P.O. BOX 869 STOCKTON, CA 95201 | $80K |
| U.S. BANK EIN 31-0841368 NONE | Soft dollars commissions; Trustee (bank, trust company, or similar financial institution); Float revenue; Custodial (securities) Service code 19 | — | $75K |
| OAKSTONE WELLNESS PUBLISHING LLC EIN 77-0021975 NONE | Other services; Direct payment from the plan; Copying and duplicating Service code 36 | — | $74K |
| LINDQUIST LLP EIN 52-2385296 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $63K |
| PRE-SORT EIN 68-0279380 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $63K |
| THADDOUS L. ARCHIE, DDS NONE | Direct payment from the plan; Consulting (general); Claims processing Service code 12 | 8013 LAGUNA BLVD., SUITE C ELK GROVE, CA 95758 | $30K |
| FREMONT BANK EIN 94-1569025 NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | — | $14K |
| PACIFIC PRINTING EIN 26-4644580 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $9K |
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 | 14,386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 5,225 | $29.1M |
| Dental(3 contracts, 2 carriers) | PREMIER ACCESS INSURANCE COMPANY | 34,759 | $1.1M |
| Vision(2 contracts) | VISION SERVICE PLAN | 8,915 | $3.1M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 12,822 | $324K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 12,538 | $1.2M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 12,822 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,759 | — |
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.