| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MENTAL HEALTH ADVISORY GROUP LLC3 | PO BOX 399 ALAMEDA, CA 94501 | MHN SERVICES | $5K | — | $5K | 14.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSOCIATED THIRD PARTY ADMIN EIN 94-1481599 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.3M |
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $287K |
| LINDQUIST LLP EIN 52-2385296 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $258K |
| SEGAL COMPANY EIN 94-1503999 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $221K |
| DELTA DENTAL EIN 94-1461312 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $206K |
| CBIZ MHM LLC NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 5 BRYANT PK, 1065 AVE OF AMERICAS NEW YORK, NY 10018 | $132K |
| SALTZMAN & JOHNSON EIN 94-2376174 NONE | Legal; Direct payment from the plan Service code 29 | — | $115K |
| HEALTH SERVICES & BENEFITS ADMINIST EIN 94-3089465 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $85K |
| MCMORGAN AND COMPANY EIN 52-2334338 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $30K |
| WEX HEALTH, INC. EIN 06-1593514 NONE | Direct payment from the plan; Other services Service code 49 | — | $28K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 26-4310844 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $23K |
| FREMONT BANK EIN 94-1569025 NONE | Direct payment from the plan; Other services Service code 49 | — | $18K |
| AABCO PRINTING EIN 94-1553665 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $17K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $14K |
| INSTEP MARKETING, INC. NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $12K |
| ALSTON & BIRD LLP NONE | Legal; Direct payment from the plan Service code 29 | 560 MISSION STREET, SUITE 2100 SAN FRANCISCO, CA 94105 | $10K |
| INTELLI-SERVICES EIN 56-2293081 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $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 | 3,712 | 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) | 3,712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 5,479 | $30.8M |
| Dental(4 contracts, 4 carriers) | DELTA DENTAL OF CALIFORNIA | 665 | $785K |
| Vision | VISION SERVICE PLAN | 3,132 | $772K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 8,080 | $350K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,001 | $811K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 8,080 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,080 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.