| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY WESTERN STATES IN | 180 HOWARD ST SAN FRANCISCO, CA 94105 | SAFEGUARD HEALTH PLANS INC | — | $38 | $38 | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS NONE | Direct payment from the plan Service code 50 | 1600 HARBOR BAY PKWY STE 200 ALAMEDA, CA 94502 | $2.2M |
| ANTHEM BLUE CROSS LIFE AND HEALTH I EIN 95-4331852 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator; Float revenue Service code 12 | — | $1.3M |
| MULTI-PLAN SERVICES AGENCY INC. EIN 81-3751949 NONE | Direct payment from the plan Service code 50 | — | $691K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Float revenue; Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $390K |
| CHARTWELL INVESTMENT PARTNERS NONE | Investment management Service code 28 | 1235 WESTLAKES DR STE 400 BERWYN, PA 19312 | $160K |
| MCMORGAN & COMPANY LLC EIN 52-2334338 NONE | Investment management Service code 28 | — | $146K |
| ASSISTANCE RECOVERY PROGRAM EIN 94-3042622 NONE | Direct payment from the plan Service code 50 | — | $121K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general) Service code 16 | — | $113K |
| PHARMACY BENEFIT SOLUTIONS INC. NONE | Consulting (general) Service code 16 | 6966 SUNRISE BLVD STE 268 CITRUS HEIGHTS, CA 95610 | $61K |
| SALTZMAN & JOHNSON LAW CORPORATION EIN 94-2376174 NONE | Legal Service code 29 | — | $49K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $45K |
| INCOME RESEARCH & MANAGEMENT EIN 04-2955404 NONE | Investment management Service code 28 | — | $44K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-1645862 NONE | Investment advisory (plan) Service code 27 | — | $38K |
| MAILRITE PRINT & MAIL, INC. NONE | Copying and duplicating Service code 36 | 834 STRIKER AVE STE C SACRAMENTO, CA 95834 | $21K |
| ENGINEERS PUBLISHING NONE | Other services Service code 49 | 3920 LENNANE DR SACRAMENTO, CA 95834 | $17K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $16K |
| BOEHM & ASSOCIATES EIN 94-2361175 NONE | Other commissions Service code 55 | — | $0 |
| STEPHEN HORN INSURANCE SVCS EIN 94-3249244 NONE | Insurance services Service code 23 | — | $0 |
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 | 9,022 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 9,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,500 | $13.2M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF CALIFORNIA | 9,303 | $6.1M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 8,638 | $1.2M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,050 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,303 | — |
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.