| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS NONE | Contract Administrator; Direct payment from the plan Service code 13 | 1600 HARBOR BAY PKWY, SUITE 200 ALAMEDA, CA 94502 | $493K |
| KAUFMANN & GOBLE EIN 94-2614826 NONE | Actuarial; Direct payment from the plan Service code 11 | 160 SANTA CLARA STREET STE 1550 SAN JOSE, CA 95113 | $184K |
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $162K |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $109K |
| PIPE TRADE DC #36 PENSION PLAN EIN 94-6082956 PARTY IN INTEREST | Direct payment from the plan; Plan Administrator Service code 14 | — | $62K |
| VAVRINEK, TRINE, DAY & CO., LLP EIN 95-2648289 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 1900 S. NORFOLK ST., SUITE 225 SAN MATEO, CA 94403 | $54K |
| ENVISION EIN 90-1011712 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $54K |
| US BANK EIN 31-0841368 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $29K |
| HEALTH CARE EVALUATIONS EIN 94-1701048 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $20K |
| UA LOCAL 442 EIN 94-1015453 SPONSOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $19K |
| THE MOSS LAW FIRM NONE | Legal; Direct payment from the plan Service code 29 | 5260 NORTH PALM AVE. SUITE 205 FRESNO, CA 93704 | $17K |
| UA LOCAL 228 EIN 94-1493708 SPONSOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $12K |
| CRYSTAL CLEAR RX EIN 27-3009945 NONE | Claims processing; Direct payment from the plan Service code 12 | 19753 EAST PIKES PEAK AVE, STE G103 PARKER, CO 80138 | $12K |
| UA LOCAL 62 EIN 77-0376399 SPONSOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $10K |
| TUCKER, CHIU, HABESHA, & WARD NONE | Legal; Direct payment from the plan Service code 29 | 642 POLLASKV AVE. CLOVIS, CA 93612 | $7K |
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 | 1,230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 433 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NEWPORT DENTAL PLAN | 80 | $63K |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 3,484 | $191K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE OF CALIFORNIA SAN FRANCISCO | 1,663 | $523K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,484 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.