Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The filing reports zero broker compensation on a plan over 100 participants. The plan likely buys direct or does not report its broker. Give it a call.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
HealthHMO | HealthHMO | |
Stop-loss | Stop-loss | |
HMOHealth | HMOHealth | |
LifeOther | LifeOther | |
Vision | Vision | |
Dental | Dental | |
DentalHMO | DentalHMO | |
DentalHMO | DentalHMO | |
Other | Other |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 10 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 3,493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,493 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 3,677 | $34.7M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF CALIFORNIA | 360 | $392K |
| Vision | VISION SERVICE PLAN | 2,495 | $334K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,680 | $418K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 702 | $1.7M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,680 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,680 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH SERVICES & BENEFITS ADMINST EIN 94-3089465 NONE | Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $1.2M |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $437K |
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $279K |
| CHARLES BESOCKE EMPLOYEE | Plan Administrator; Direct payment from the plan Service code 14 | 4160 DUBLIN BLVD., STE. 100 DUBLIN, CA 94568 | $174K |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $166K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general); Consulting (pension); Actuarial; Direct payment from the plan Service code 11 | — | $148K |
| SALTZMAN & JOHNSON LAW CORPORATION EIN 93-2376174 NONE | Legal; Direct payment from the plan Service code 29 | — | $113K |
| MCMORGAN & COMPANY LLC EIN 52-2334338 NONE | Investment management fees paid directly by plan Service code 51 | — | $79K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $46K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 11-3658445 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $45K |
| WEX HEALTH, INC. EIN 06-1593514 NONE | Direct payment from the plan; Other services Service code 49 | — | $44K |
| MACKAY SHIELDS LLC EIN 13-5582869 NONE | Investment management fees paid indirectly by plan Service code 52 | — | $39K |
| FREMONT BANK EIN 94-1569025 NONE | Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $36K |
| ROADRUNNER PRINT MAIL NONE | Direct payment from the plan; Other services Service code 49 | 100 RYAN INDUSTRIAL CT SAN RAMON, CA 94583 | $22K |
| RSP PRINTING EIN 86-1541857 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $17K |
| NFP EIN 13-3616686 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $11K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 51 | — | $10K |
| STEVE SOWINSKI TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | 4160 DUBLIN BLVD., STE. 100 DUBLIN, CA 94568 | $7K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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11 filings · 2015 to 2025