No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IRONWORKERS EMPLOYEES BENEFIT CORP EIN 95-3084599 NONE | Contract Administrator Service code 13 | 131 N EL MOLINO AVENUE SUITE 330 PASADENA, CA 91101 | $140K |
| RAEL LETSON EIN 94-1701048 NONE | Actuarial Service code 11 | PO BOX 104019 PASADENA, CA 91189 | $64K |
| SALTZMAN & JOHNSON EIN 94-2376174 NONE | Legal Service code 29 | 7 W 41ST STREET SUITE 410 SAN MATEO, CA 94403 | $25K |
| MCMENOMY & ASSOCIATES CPAS LLP EIN 46-1559312 NONE | Accounting (including auditing) Service code 10 | 876 N MOUNTAIN AVENUE STE 105 UPLAND, CA 91786 | $16K |
| U.S. BANK EIN 31-0841368 NONE | Custodial (securities); Other fees Service code 19 | PO BOX 70870 ST PAUL, MN 55170 | $16K |
| ALAN D. BILLER & ASSOCIATES EIN 94-2854958 NONE | Investment advisory (plan) Service code 27 | 535 MIDDLEFIELD ROAD 230 MENLO PARK, CA 94025 | $7K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Claims processing Service code 12 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | $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 | 473 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 305 | $2.4M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 318 | $339K |
| Life insurance | RELIASTAR LIFE INSURANCE CO. | 301 | $26K |
| Stop-loss / reinsurancereinsurance | STEALTH PARTNER GROUP | 170 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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 prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.