| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSOCIATED THIRD PARTY ADMIN EIN 94-3187938 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $157K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Actuarial; Consulting (general); Direct payment from the plan; Consulting (pension) Service code 11 | — | $79K |
| HEMMING MORSE LLP EIN 30-0702322 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $38K |
| CARROLL & SCULLY, INC. EIN 94-2690827 NONE | Legal; Direct payment from the plan Service code 29 | — | $30K |
| US BANK EIN 94-6102898 NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | — | $16K |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 182 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 127 | $1.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 938 | $552K |
| Vision | VISION SERVICE PLAN | 408 | $83K |
| Life insurance | PRUDENTIAL | 404 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 990 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.