| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 | 940 ADAMS STREET, SUITE G BENECIA, CA 94510 | UNION LABOR LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-4331852 UNAFFILIATED | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $21.3M |
| OPTUMRX, INC EIN 33-0441200 UNAFFILIATED | Claims processing; Direct payment from the plan; Float revenue Service code 12 | PO BOX 9472 MINNEAPOLIS, MN 55440 | $4.9M |
| NORTHWEST ADMINISTRATORS, INC. EIN 91-0680697 UNAFFILIATED | Plan Administrator Service code 14 | 2323 EASTLAKE AVE E. SEATTLE, WA 98102 | $1.9M |
| STOP LOSS INSURANCE SERVICES EIN 27-0142436 UNAFFILIATED | Insurance brokerage commissions and fees Service code 53 | 940 ADAMS STREET BENECIA, CA 94510 | $142K |
| TEAMSTERS LOCAL 856 EIN 94-1211646 UNION ASSOC.W/PLAN | Contract Administrator Service code 13 | 453 SAN MATEO AVENUE SAN BRUNO, CA 94066 | $118K |
| RAEL & LETSON EIN 94-1701048 UNAFFILIATED | Consulting (general); Actuarial Service code 11 | 378 VINTAGE PARK DRIVE FOSTER CITY, CA 94404 | $112K |
| REUBEN E PRICE & CO. (PAYROLL EXAM) EIN 94-3089756 UNAFFILIATED | Accounting (including auditing) Service code 10 | 3011 CITRUS CIRCLE, SUITE 207 WALNUT CREEK, CA 94598 | $98K |
| NEW ENGLAND PENSION CONSULTANTS EIN 26-1428909 UNAFFILIATED | Direct payment from the plan; Consulting (pension) Service code 17 | 9440 WEST SAHARA AVE., SUITE 225 LAS VEGAS, NV 89117 | $75K |
| REUBEN E. PRICE & CO.(AUDIT/COMPL.) EIN 94-3089756 UNAFFILIATED | Accounting (including auditing) Service code 10 | 3011 CITRUS CIRCLE, SUITE 207 WALNUT CREEK, CA 94598 | $63K |
| CHARLES SCULLY, JR. EIN 94-2690827 UNAFFILIATED | Legal Service code 29 | 300 MONTGOMERY STREET, SUITE 735 SAN FRANCISCO, CA 94104 | $59K |
| ALLIANT INSURANCE SERVICES, INC. EIN 33-0785439 UNAFFILIATED | Consulting (general) Service code 16 | 1125 SANCTUARY PARKWAY ALPHARETTA, GA 30009 | $33K |
| WELLS FARGO EIN 94-1347393 UNAFFILIATED | Other services Service code 49 | PO BOX 63020 SAN FRANCISCO, CA 94163 | $30K |
| PACIFIC ASSET MANAGEMENT EIN 95-1079000 UNAFFILIATED | Investment management fees paid indirectly by plan Service code 52 | 840 NEWKPORT CENTER DR., 7TH FLOOR NEWPORT BEACH, CA 92660 | $30K |
| ULLICO INVESTMENT EIN 13-1423090 UNAFFILIATED | Investment management fees paid indirectly by plan Service code 52 | 8403 COLESVILLE RD SILVER SPRING, MO 20910 | $28K |
| MARSH USA EIN 36-1436000 UNAFFILIATED | Insurance agents and brokers; Insurance services Service code 22 | 9171 TOWNE CENTRE DR. SAN DIEGO, CA 92122 | $26K |
| BRUCE CONHAIN (PH)707-864-8649 TRUSTEE | Trustee (individual) Service code 20 | 103 TARTAN WAY FAIRFIELD, CA 94535 | $21K |
| DOUGLAS CORNFORD (PH) 415-515-1914 TRUSTEE | Trustee (individual) Service code 20 | PO BOX 32212 GENOA, NV 89411 | $21K |
| JULIE WALL (PH)650-580-7021 TRUSTEE | Trustee (individual) Service code 20 | 7660 BODEGA AVE SEBASTOPOL, CA 95472 | $21K |
| FIRST DENTAL HEALTH EIN 33-0655193 UNAFFILIATED | Other services Service code 49 | PO BOX 919029 SAN DIEGO, CA 92191 | $21K |
| IRON MOUNTAIN STORAGE EIN 04-3038590 UNAFFILIATED | Recordkeeping fees Service code 64 | 745 ATLANTIC AVE. BOSTON, MA 02111 | $17K |
| SERVICE PRINTING EIN 91-0830372 UNAFFILIATED | Copying and duplicating Service code 36 | 3837 13TH AVE W., SUITE 106 SEATTLE, WA 98119 | $16K |
| PARKER MILLIKAN CLARK EIN 94-4350527 UNAFFILIATED | Legal Service code 29 | 555 FLOWER STREET LOS ANGELES, CA 90071 | $8K |
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 | 4,759 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,271 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,030 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER PERMANENTE | 4,766 | $70.9M |
| Dental(2 contracts, 2 carriers) | DELTA CARE PMI | 307 | $206K |
| Vision | VISION SERVICE PLAN | 1,786 | $235K |
| Life insurance | STANDARD INCURANCE COMPANY | 4,488 | $325K |
| Prescription drug | UNITED AMERICAN INSURANCE COMPANY | 615 | $1.2M |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 1,300 | $1.3M |
| Other(5 contracts, 5 carriers) | KAISER PERMANENTE | 6,598 | $72.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,598 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.