| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS ADMINISTRATORS EIN 38-2383171 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $236K |
| RAEL & LETSON EIN 94-1701042 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $111K |
| MCCRACKEN, STEMERMAN & HOLSBERRY, EIN 94-1709555 NONE | Legal; Direct payment from the plan Service code 29 | — | $72K |
| KRAW LAW GROUP EIN 77-0171216 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $42K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $37K |
| BLUE SHIELD EIN 93-0360524 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $18K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $11K |
| JACOBS & CO. EIN 94-3056301 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $10K |
| RICHARD ROMANSKI TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 7180 KOLL CENTER PKWY PLEASANTON, CA 94566 | $9K |
| W.W. WARD III EIN 94-6173454 TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | 7180 KOLL CENTER PKWY PLEASANTON, CA 94566 | $9K |
| SEGALL BRYANT HAMILL NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $8K |
| COMERICA BANK EIN 38-3243681 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $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 | 678 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2 | $12K |
| Vision | VISION SERVICE PLAN | 697 | $99K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 728 | $13K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 302 | $657K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 728 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,174 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.