| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES, INC | 940 ADAMS ST., STE G BENICIA, CA 945102950 | RELIASTAR LIFE INSURANCE COMPANY | $219K | — | $219K | 10.54% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES INC | PO BOX 845052 LOS ANGELES, CA 90084 | SUNLIFE ASSURANCE CO OF CANADA | $22K | — | $22K | 16.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS EIN 38-2383171 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $287K |
| ANTHEM BLUE CROSS LIFE & HEALTH INS EIN 95-4331852 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Direct payment from the plan Service code 12 | — | $198K |
| LINDQUIST LLP EIN 52-2385296 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $77K |
| RAEL & LETSON EIN 94-1707048 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $59K |
| WEINBERG, ROGER & ROSENFELD EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $41K |
| WELLS FARGO EIN 94-1347393 NONE | Other services; Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $23K |
| GRANDFLOW EIN 94-3211239 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $22K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Contract Administrator; Non-monetary compensation; Participant communication; Named fiduciary; Float revenue Service code 13 | — | $20K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $11K |
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 | 765 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 145 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 910 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUNLIFE ASSURANCE CO OF CANADA | 883 | $131K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 314 | $2.1M |
| Other | SUNLIFE ASSURANCE CO OF CANADA | 883 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 883 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.