No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH SERVICES & BENEFITS ADMINST EIN 94-3089465 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $1.3M |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $393K |
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $189K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $182K |
| CHARLES BESOCKE EMPLOYEE | Direct payment from the plan; Plan Administrator Service code 14 | 4160 DUBLIN BLVD., STE. 400 DUBLIN, CA 94568 | $161K |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $130K |
| SALTZMAN & JOHNSON LAW CORPORATION EIN 94-2376174 NONE | Legal; Direct payment from the plan Service code 29 | — | $120K |
| GRAYSTONE CONSULTING/MORGAN STANLEY EIN 20-8764829 NONE | Named fiduciary; Securities brokerage; Investment advisory (plan); Direct payment from the plan Service code 27 | — | $71K |
| FREMONT BANK EIN 94-1569025 NONE | Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $30K |
| MACKAY SHIELDS LLC EIN 13-5582869 NONE | Investment management fees paid indirectly by plan Service code 52 | — | $28K |
| WEX HEALTH, INC. EIN 06-1593514 NONE | Direct payment from the plan; Other services Service code 49 | — | $24K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $21K |
| NFP EIN 13-3616686 NONE | Insurance brokerage commissions and fees Service code 53 | — | $12K |
| MCMORGAN & COMPANY LLC EIN 52-2334338 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $12K |
| STEVE SOWINSKI TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | 4160 DUBLIN BLVD., STE. 400 DUBLIN, CA 94568 | $7K |
| RSP PRINTING EIN 86-1541857 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $6K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Custodial (securities); Direct payment from the plan Service code 19 | — | $6K |
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 | 3,548 | 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) | 3,548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC | 3,540 | $27.7M |
| Dental(4 contracts, 4 carriers) | DELTA DENTAL OF CALIFORNIA | 582 | $586K |
| Vision | VISION SERVICE PLAN | 2,562 | $449K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,887 | $350K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 640 | $1.1M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,887 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,887 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.