| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERNATIVE RISK SOLUTIONS LLC3 Filed as: ALTERNATIVE RISK SOLUTIONS, LLC | 250 BEL MARIN KEYS BLVD, SUITE G-3 NOVATO, CA 94949 | HCC LIFE INSURANCE COMPANY | $99K | — | $99K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS, INC. EIN 52-1590516 NONE | Contract Administrator; Copying and duplicating Service code 13 | — | $398K |
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator; Float revenue Service code 12 | — | $135K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $68K |
| INNOVATIVE COST MANAGEMENT EIN 77-0119752 NONE | Consulting (general) Service code 16 | — | $54K |
| QUEST INVESTMENT MANAGEMENT, INC. EIN 93-0880854 NONE | Investment management Service code 28 | — | $28K |
| WEINBERG, ROGER & ROSENFIELD EIN 94-2458080 NONE | Legal Service code 29 | — | $18K |
| FIDUCIARY MANAGEMENT, INC. EIN 39-1346018 NONE | Soft dollars commissions; Investment management Service code 28 | — | $16K |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 NONE | Claims processing Service code 12 | — | $15K |
| FREMONT BANK EIN 94-1569025 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $15K |
| CORPORATE MAIL SERVICE, LLC EIN 46-2336568 NONE | Other services Service code 49 | — | $14K |
| US BANK EIN 31-0841368 NONE | Custodial (securities) Service code 19 | — | $13K |
| TEAMSTERS ALCOHOL REHABILITATION EIN 94-2875955 NONE | Other fees Service code 99 | — | $13K |
| DONALD HOPKINS TRUSTEE | Trustee (individual) Service code 20 | 221 MAIN ST STE 250 SAN FRANCISCO, CA 941051956 | $13K |
| MARTY ZIMMERMAN TRUSTEE | Trustee (individual) Service code 20 | 221 MAIN ST STE 250 SAN FRANCISCO, CA 941051956 | $9K |
| GERARDO GIL TRUSTEE | Trustee (individual) Service code 20 | 221 MAIN ST STE 250 SAN FRANCISCO, CA 941051956 | $7K |
| JOHN WEIDENBACH TRUSTEE | Trustee (individual) Service code 20 | 221 MAIN ST STE 250 SAN FRANCISCO, CA 941051956 | $6K |
| JAMES HOOD TRUSTEE | Trustee (individual) Service code 20 | 221 MAIN ST STE 250 SAN FRANCISCO, CA 941051956 | $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 | 1,159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 633 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,441 | $12.6M |
| Vision | VISION SERVICE PLAN | 1,161 | $175K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 1,157 | $26K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 731 | $659K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,441 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.