| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $23K | — | $23K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 NONE | Other fees; Claims processing; Direct payment from the plan; Float revenue Service code 12 | — | $1.3M |
| BENESYS, INC. EIN 38-2383171 NONE | Plan Administrator Service code 14 | — | $852K |
| BAYSPORT INC NONE | Other services Service code 49 | 14830 LOS GATOS BLVD STE 101 LOS GATOS, CA 95032 | $168K |
| WEDGE CAPITAL MANAGEMENT EIN 56-1557450 NONE | Investment management fees paid directly by plan Service code 51 | — | $78K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general) Service code 16 | — | $68K |
| CHARTWELL INVESTMENT PARTNERS, LLC EIN 36-4776242 NONE | Named fiduciary; Investment management fees paid directly by plan; Investment management Service code 28 | — | $58K |
| LIFEWORKS EIN 52-1883918 NONE | Other services Service code 49 | — | $50K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $41K |
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $33K |
| LEONARD CARDER, LLP EIN 94-2819269 NONE | Legal Service code 29 | — | $30K |
| SAN JOAQUIN & CALAVERAS CTY JATC EIN 94-6411032 NONE | Other services Service code 49 | — | $25K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Investment advisory (plan); Consulting (general) Service code 16 | — | $14K |
| COMERICA EIN 42-1741646 NONE | Custodial (securities) Service code 19 | — | $8K |
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 | 1,406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 634 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,040 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 3,431 | $30.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 4,919 | $3.4M |
| Vision | VISION SERVICE PLAN | 1,548 | $163K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 147 | $329K |
| Other | U.S. BEHAVIORAL HEALTH PLAN OF CALIFORNIA DBA OPTUM | 1,882 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,919 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.