| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: PARAGON RISK MANAGEMENT SERVICES | 6900 S MCCARRAN BLVD STE 1010 RENO, NV 89509 | AMALGAMATED LIFE INSURANCE COMPANY | $150K | — | $150K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS, INC. EIN 52-1590516 NONE | Copying and duplicating; Direct payment from the plan; Contract Administrator Service code 13 | — | $398K |
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Float revenue; Contract Administrator; Direct payment from the plan; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $245K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $73K |
| INNOVATIVE COST MANAGEMENT EIN 77-0119752 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $54K |
| QUEST INVESTMENT MANAGEMENT, INC. EIN 93-0880854 NONE | Investment management fees paid directly by plan Service code 51 | — | $29K |
| WEINBERG, ROGER & ROSENFIELD EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $23K |
| TEAMSTERS ALCOHOL REHABILITATION EIN 94-2875955 NONE | Direct payment from the plan; Other fees Service code 50 | — | $21K |
| FIDUCIARY MANAGEMENT, INC. EIN 39-1346018 NONE | Investment management; Soft dollars commissions; Investment management fees paid directly by plan Service code 28 | — | $18K |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $16K |
| US BANK EIN 31-0841368 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $15K |
| FREMONT BANK EIN 94-1569025 NONE | Other services; Direct payment from the plan Service code 49 | — | $11K |
| CORPORATE MAIL SERVICE, LLC EIN 46-2336568 NONE | Direct payment from the plan; Other services Service code 49 | — | $9K |
| MARTY ZIMMERMAN TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 1600 HARBOR BAY PKWY STE 200 ALAMEDA, CA 94502 | $8K |
| OPTUMINSIGHT NONE | Direct payment from the plan; Consulting (general) Service code 16 | P O BOX 860215 MINNEAPOLIS, MN 55486 | $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 | 1,136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 400 | 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) | 1,536 | 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 | 1,126 | $159K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 1,152 | $24K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 671 | $998K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.