| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MENTAL HEALTH ADVISORY GROUP LLC3 | PO BOX 399 ALAMEDA, CA 94501 | MANAGED HEALTH NETWORK | $3K | — | $3K | 5.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH SERVICES & BENEFITS ADMINIST EIN 94-3089465 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $1.1M |
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $237K |
| LINDQUIST LLP EIN 52-2385296 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $225K |
| DELTA DENTAL EIN 94-1461312 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $191K |
| SEGAL COMPANY EIN 94-1503999 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $152K |
| BASYS EIN 52-1796473 NONE | Other fees; Direct payment from the plan; Other services Service code 49 | — | $104K |
| SALTZMAN & JOHNSON EIN 94-2376174 NONE | Legal; Direct payment from the plan Service code 29 | — | $92K |
| SCHUMACHER CONSULTING NONE | Direct payment from the plan; Consulting (general) Service code 16 | 4160 DUBLIN BLDV., SUITE 400 DUBLIN, CA 94568 | $71K |
| MCMORGAN AND COMPANY EIN 52-2334338 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $47K |
| AABCO PRINTING EIN 94-1553665 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $27K |
| WEX HEALTH, INC. EIN 06-1593514 NONE | Other services; Direct payment from the plan Service code 49 | — | $23K |
| FREMONT BANK EIN 94-1569025 NONE | Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $17K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Claims processing; Float revenue; Other fees; Direct payment from the plan Service code 12 | — | $15K |
| MACKAY SHIELDS LLC EIN 13-5582869 NONE | Investment management fees paid indirectly by plan Service code 52 | — | $14K |
| ALSTON & BIRD LLP EIN 58-0137615 NONE | Legal; Direct payment from the plan Service code 29 | — | $11K |
| SANTA MARIA COMPANY & INSURANCE SER EIN 94-3383631 NONE | Insurance brokerage commissions and fees Service code 53 | — | $11K |
| SUBURBAN PRESS EIN 94-2477030 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $8K |
| GRAYSTONE CONSULTING/MORGAN STANLEY EIN 36-3145972 NONE | Investment advisory (plan); Direct payment from the plan; Named fiduciary; Securities brokerage Service code 27 | — | $7K |
| RED CARD EIN 20-5388701 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $7K |
| FARRELL FRITZ EIN 06-1620161 NONE | Legal; Direct payment from the plan Service code 29 | — | $5K |
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 | 3,546 | 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) | 3,546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 5,204 | $29.5M |
| Dental(4 contracts, 4 carriers) | DELTA DENTAL OF CALIFORNIA | 547 | $753K |
| Vision | VISION SERVICE PLAN | 3,322 | $772K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 5,726 | $1.2M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 5,726 | $1.2M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,726 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,726 | — |
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.