| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | KAISER FOUNDATION HEALTH PLAN INC | — | — | $0 | 0.00% |
| BROKERAGE CONCEPTS INC5 | 801 LAKEVIEW DRIVE, SUITE 301 BLUE BELL, PA 19422 | STANDARD SECURITY LIFE | — | $40K | $40K | 16.17% |
| NONE | — | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| NONE | — | CLAREMONT BEHAVIORAL SERVICES | — | — | $0 | 0.00% |
| NONE | — | UNITED OF OMAHA LIFE INSURANCE CO | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ATPA EIN 94-3187938 NONE | Investment management fees paid directly by plan; Claims processing; Contract Administrator Service code 12 | — | $338K |
| RAEL & LETSON EIN 94-1457076 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $63K |
| KRAW LAW GROUP EIN 77-0171216 NONE | Legal; Direct payment from the plan Service code 29 | — | $32K |
| LOOMIS SAYLES EIN 94-1554520 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $19K |
| HEMMING MORSE LLP EIN 30-0702322 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $17K |
| US BANK EIN 31-0841368 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $16K |
| ALAN BILLER & ASSOCIATES EIN 94-2854958 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $11K |
| KAUFMANN & GOBLE EIN 94-2614826 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $10K |
| ALSWEET ASSOCIATES NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 533 S. FREMONT AVE SUITE 800 LOS ANGELES, CA 90071 | $5K |
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 | 494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | STANDARD SECURITY LIFE | 262 | $250K |
| Dental | STANDARD SECURITY LIFE | 262 | $250K |
| Vision | VISION SERVICE PLAN | 488 | $98K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 458 | $13K |
| Stop-loss / reinsurancereinsurance | STANDARD SECURITY LIFE | 262 | $250K |
| Other | CLAREMONT BEHAVIORAL SERVICES | 459 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.