| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERNATIVE RISK SOLUTIONS LLC3 Filed as: ALTERNATIVE RISK SOLUTIONS, LLC | 250 BEL MARIN KEYS BLVD STE G3 NOVATO, CA 94949 | US FIRE INSURANCE COMPANY | $291K | — | $291K | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELFARE AND PENSION ADMIN SERVICE EIN 91-1363171 NONE | Other fees; Copying and duplicating; Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $644K |
| AETNA EIN 06-6033492 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $187K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $98K |
| QUEST INVESTMENT MANAGEMENT EIN 98-0880854 NONE | Direct payment from the plan; Investment management Service code 28 | — | $78K |
| PATRIOT GROWTH INSURANCE SERVICES EIN 87-2917761 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $66K |
| WELFARE & PENSION ADMIN SERVICE | Other fees Service code 99 | — | $57K |
| HEALTHLINX LLC EIN 87-0660214 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $46K |
| MARSH & MCLENNAN AGENCY EIN 36-1436000 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $27K |
| WEINBERG, ROGER & ROSENFELD EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $22K |
| NEPC LLC EIN 26-1429809 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $15K |
| CHANGE HEALTHCARE SOLUTIONS, LLC EIN 20-5731067 NONE | Other services; Direct payment from the plan Service code 49 | — | $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 | 2,323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 2,166 | $22.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,531 | $1.8M |
| Vision | VISION SERVICE PLAN | 2,329 | $173K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,016 | $112K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 1,086 | $1.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 3,016 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,016 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.