| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC Filed as: PARAGON RISK MANAGEMENT SERVICES | 6900 S MCCARRAN BLVD STE 1010 RENO, NV 89509 | AMALGAMATED LIFE INSURANCE COMPANY | $183K | — | $183K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS, INC. EIN 52-1590516 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $313K |
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue; Other services; Direct payment from the plan Service code 12 | — | $255K |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 NONE | Claims processing; Plan Administrator; Direct payment from the plan Service code 12 | — | $86K |
| ZELIS CLAIMS INTEGRITY, LLC EIN 86-1040704 NONE | Other services; Direct payment from the plan Service code 49 | — | $73K |
| INNOVATIVE COST MANAGEMENT EIN 77-0119752 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $54K |
| QUEST INVESTMENT MANAGEMENT, INC. EIN 93-0880854 NONE | Non-monetary compensation; Investment management; Investment management fees paid directly by plan Service code 28 | — | $40K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $32K |
| THE VIRTUOUS GROUP, LLC EIN 27-0365275 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $30K |
| A & S FINANCIAL SERVICES, LLC EIN 27-4188863 NONE | Direct payment from the plan; Other services Service code 49 | — | $27K |
| WEINBERG, ROGER & ROSENFELD EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $27K |
| TEAMSTERS ALCOHOL REHABILITATION EIN 94-2875955 NONE | Direct payment from the plan; Other fees Service code 50 | — | $25K |
| FIDUCIARY MANAGEMENT, INC. EIN 39-1346018 NONE | Investment management fees paid directly by plan; Soft dollars commissions; Investment management Service code 28 | — | $20K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Soft dollars commissions; Custodial (securities); Float revenue; Direct payment from the plan Service code 19 | — | $17K |
| CORPORATE MAIL SERVICE, LLC EIN 46-2336568 NONE | Direct payment from the plan; Other services Service code 49 | — | $9K |
| JOHN WEIDENBACH TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | 1600 HARBOR BAY PKWY STE 200 ALAMEDA, CA 94502 | $8K |
| FREMONT BANK EIN 94-1569025 NONE | Other services; Direct payment from the plan Service code 49 | — | $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 | 1,084 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 393 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 246 | $816K |
| Vision | VISION SERVICE PLAN | 1,075 | $147K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 1,094 | $24K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 1,100 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,100 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.