| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $75K | — | $75K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED ADMINISTRATIVE SERVICES EIN 94-1749354 NONE | Contract Administrator Service code 13 | 6800 SANTA TERESA BLVD, SUITE 100 SAN JOSE, CA 95119 | $509K |
| ANTHEM BLUE CROSS LIFE & HEALTH INS EIN 95-4331852 NONE | Claims processing; Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 2 EMBARCADERO CENTER SAN FRANCISCO, CA 94111 | $217K |
| WITHUM SMITH & BROWN EIN 22-2027092 NONE | Accounting (including auditing) Service code 10 | 5000 EXECUTIVE PARKWAY SUITE 400 SAN RAMON, CA 94583 | $116K |
| RAEL & LETSON EIN 94-1701048 NONE | Actuarial Service code 11 | 2800 CAMPUS DR. SAN MATEO, CA 94403 | $86K |
| ASCENDANT HEALTHCARE NONE | Other services Service code 49 | 1755 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | $63K |
| CHARLES SCULLY II EIN 94-2690827 NONE | Legal Service code 29 | 300 MONTGOMERY STREET, SUITE 735 SAN FRANCISCO, CA 94104 | $24K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $23K |
| SMART SOURCE LLC EIN 30-0830429 NONE | Copying and duplicating Service code 36 | 1150 SOUTH BASCOM AVENUE STE #1 SAN JOSE, CA 95128 | $23K |
| US BANK, N.A. EIN 31-0841368 NONE | Custodial (securities) Service code 19 | 221 SOUTH FIGUEROA ST. SUITE 210 LOS ANGELES, CA 90012 | $16K |
| GARCIA HAMILTON & ASSOCIATES NONE | Investment management Service code 28 | 5 HOUSTON CENTER 1401 MCKINNEY, SUITE 1600 HOUSTON, TX 77010 | $15K |
| WEALTH ENHACEMENT GROUP EIN 75-3100788 NONE | Investment management Service code 28 | 505 HGHWAY 169 N SUITE 900 PLYMOUTH, MN 55441 | $14K |
| PENSION EVALUATION, INC. EIN 11-2503980 NONE | Investment advisory (plan) Service code 27 | 2450 MIDDLE COUNTRY RD, SUITE 104 CENTEREACH, NY 11720 | $10K |
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 | 2,436 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA | 3,315 | $22.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,830 | $613K |
| Vision | VISION SERVICE PLAN | 2,466 | $198K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,464 | $74K |
| Other | HCC LIFE INSURANCE COMPANY | 982 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,315 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.