| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERNATIVE RISK SOLUTIONS LLC3 Filed as: CA ALTERNATIVE RISK SOLUTIONS INSUR | 1390 NORTH MCDOWELL BLVD. SUITE G-283 PETALUMA, CA 94954 | HCC LIFE INSURANCE COMPANY | $72K | — | $72K | 18.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS, INC. EIN 20-5152475 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $267K |
| INNOVATIVE COST MANAGEMENT SERVICES EIN 77-0199752 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $59K |
| HEALTH LINX, LLC EIN 87-0660214 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $34K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $31K |
| SALTZMAN & JOHNSON LAW CORPORATION EIN 95-2376174 NONE | Legal; Direct payment from the plan Service code 29 | — | $25K |
| CITY NATIONAL BANK EIN 95-1780067 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $14K |
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 | 706 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 112 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 829 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $0 |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 713 | $23K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 152 | $402K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 713 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,289 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.