| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | KAISER FOUNDATION HEALTH PLAN | — | — | $0 | 0.00% |
| ANDREINI & COMPANY3 | 220 W 20TH AVE SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN | $18K | — | $18K | 1.40% |
| ANDREINI & COMPANY3 | 220 W 20TH AVE SAN MATEO, CA 94403 | MUNICH RE STOP LOSS, INC. | $37K | — | $37K | 7.00% |
| NONE | — | DELTA DENTAL OF CALIFORNIA | — | — | $0 | 0.00% |
| NONE | — | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE. SAN MATEO, CA 94403 | RELIANCE STANDARD LIFE INSURANCE | $5K | — | $5K | 18.00% |
| ANDREINI & COMPANY3 | 220 W 20TH AVE SAN MATEO, CA 94403 | ANTHEM BLUE CROSS LIFE AND INSURANCE COMPANY | — | $1K | $1K | 12.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-3760980 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $362K |
| ANDREINI & CO. EIN 94-1482568 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $124K |
| PREFERRED BENEFIT EIN 94-3079635 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $108K |
| PACIFIC HEALTH ALLIANCE EIN 94-3010573 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $91K |
| DELTA DENTAL NONE | Claims processing; Direct payment from the plan Service code 12 | 100 FIRST STREET SAN FRANCISCO, CA 94105 | $63K |
| HEMMING MORSE EIN 30-0702322 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $42K |
| TURNER CONSULTING AND ACTUARIAL LLC NONE | Actuarial; Direct payment from the plan Service code 11 | 3000-F DANVILLE BLVD. 156 ALAMO, CA 94507 | $34K |
| KRAW LAW GROUP, APC EIN 32-0465891 NONE | Legal; Direct payment from the plan Service code 29 | — | $29K |
| ALDRIDGE EIN 33-0152918 NONE | Direct payment from the plan; Distribution (12b-1) fees; Investment management Service code 28 | — | $13K |
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 | 1,469 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 43 | $43K |
| Dental | DELTA DENTAL OF CALIFORNIA | 363 | $71K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE | 1,483 | $29K |
| Stop-loss / reinsurancereinsurance | MUNICH RE STOP LOSS, INC. | 626 | $528K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,483 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.