| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAEL & LETSON3 | 2800 CAMPUS DRIVE, SUITE 150 SAN MATEO, CA 94403 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $289 | $289 | 0.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS, INC. EIN 52-1590516 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $213K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $41K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $36K |
| ANTHEM, INC. EIN 95-4331852 NONE | Direct payment from the plan; Claims processing; Insurance services Service code 12 | — | $28K |
| QUEST INVESTMENT MANAGEMENT, INC. EIN 93-0880854 NONE | Soft dollars commissions; Direct payment from the plan; Investment management Service code 28 | — | $20K |
| CITY NATIONAL BANK EIN 95-1780067 NONE | Custodial (securities); Investment management fees paid indirectly by plan; Direct payment from the plan Service code 19 | — | $16K |
| REICH, ADELL, & CVITAN EIN 95-3082677 NONE | Legal; Direct payment from the plan Service code 29 | — | $11K |
| RUSSELL G. WOODSON, D.D.S. EIN 52-7115027 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $10K |
| CORPORATE MAIL SERVICE LLC EIN 46-2336568 NONE | Direct payment from the plan; Other services Service code 49 | — | $7K |
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 | 2,045 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,045 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 862 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 862 | — |
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."
No prospect flags tripped on this filing.