| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | 5090 N 40TH ST., STE. 100 PHOENIX, AZ 850182112 | RELIASTAR LIFE INSURANCE COMPANY | — | $23K | $23K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA FUND ADMINISTRATORS, LLC EIN 45-2636626 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $9.0M |
| ANTHEM BLUE CROSS EIN 95-3760980 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $3.7M |
| MCMORGAN & COMPANY EIN 52-2334338 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $1.0M |
| WELLDYNE RX EIN 84-1515837 NONE | Other services; Direct payment from the plan Service code 49 | — | $562K |
| DELTA HEALTH SYSTEMS EIN 94-2353289 NONE | Direct payment from the plan; Other services Service code 49 | — | $551K |
| TEAMSTERS ALCO/DRUG REHAB PROGRAM EIN 94-2875955 NONE | Direct payment from the plan; Other services Service code 49 | — | $404K |
| MACKAY SHIELDS LLC EIN 13-5582869 NONE | Investment management; Direct payment from the plan; Investment management fees paid directly by plan Service code 28 | — | $380K |
| RAEL AND LETSON EIN 94-1701048 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $143K |
| BEESON, TAYER, BODINE APC EIN 94-3126136 NONE | Legal; Direct payment from the plan Service code 29 | — | $126K |
| EMPLOYER AUDITING SERVICES NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | P.O. BOX 869 STOCKTON, CA 95201 | $115K |
| PRE-SORT CENTER OF STOCKTON, INC. EIN 68-0279380 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $99K |
| FIDELITY INVESTMENTS NONE | Custodial (securities); Investment management fees paid directly by plan; Trustee (bank, trust company, or similar financial institution); Investment management fees paid indirectly by plan Service code 19 | 82 DEVONSHIRE STREET BOSTON, MA 02109 | $81K |
| U.S. BANK EIN 31-0841368 NONE | Trustee (bank, trust company, or similar financial institution); Float revenue; Custodial (securities); Soft dollars commissions Service code 19 | — | $81K |
| HEALTHLINX LLC EIN 87-0660214 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $72K |
| EBIX INC. EIN 77-0021975 NONE | Other services; Direct payment from the plan; Copying and duplicating Service code 36 | — | $70K |
| LINDQUIST LLP EIN 52-2385296 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $45K |
| THADDOUS L. ARCHIE, DDS EIN 68-0023291 NONE | Consulting (general); Claims processing; Direct payment from the plan Service code 12 | — | $30K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| PACIFIC PRINTING EIN 26-4644580 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $10K |
| FREMONT BANK EIN 94-1569025 NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | — | $8K |
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 | 18,279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 6,671 | $35.6M |
| Dental(2 contracts, 2 carriers) | NEWPORT DENTAL PLAN | 724 | $304K |
| Vision(2 contracts) | VISION SERVICE PLAN | 9,981 | $3.6M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 16,853 | $421K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 16,009 | $451K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 16,853 | $421K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,853 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.