See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 5 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 1 broker row. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS ADMINISTRATORS INC EIN 38-2383171 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $318K |
| RAEL & LETSON EIN 94-1457076 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $80K |
| KRAW LAW GROUP EIN 77-0171216 NONE | Legal; Direct payment from the plan Service code 29 | — | $54K |
| CALIFORNIA PHYSICIANS SERVICE EIN 94-0360524 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $51K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $43K |
| VERUS NONE | Direct payment from the plan; Investment management Service code 28 | 425 CALIFORNIA ST 17TH FL SAN FRANCISCO, CA 94104 | $31K |
| US BANK EIN 31-0841368 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $29K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $27K |
| LITTLER MENDELSON, PC PARTY-IN- INTEREST | Trustee (directed); Direct payment from the plan Service code 25 | 1255 TREAT BLVD STE 600 WALNUT CREEK, CA 94597 | $12K |
| NWPS EIN 91-2090931 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $12K |
| ALSWEET ASSOCIATES NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 533 S FREMONT AVE STE 800 LOS ANGELES, CA 90071 | $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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 387 | $4.3M |
| Vision | VISION SERVICE PLAN | 399 | $69K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $10K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 369 | $366K |
| Other | CLAREMONT BEHAVIORAL SERVICES, INC. | 394 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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 the prior year. Good candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.