| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CCPOA BENEFIT TRUST FUND5 | 2515 VENTURE OAKS WAY, SUITE 200 SACRAMENTO, CA 95833 | NEW YORK LIFE INSURANCE COMPANY | — | $215K | $215K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CCPOA BENEFIT TRUST FUND EIN 94-6459649 PARTY IN INTEREST | Direct payment from the plan; Contract Administrator Service code 13 | — | $142K |
| COMMERCE PRINTING EIN 61-0168958 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $21K |
| SELLWOOD CONSULTING LLC EIN 80-0827237 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $15K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $13K |
| TRUCKER HUSS, APC EIN 94-3216063 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
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 | 23,131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 6,959 | $861K |
| Other(2 contracts, 2 carriers) | U.S. LEGAL SERVICES OF WISCONSIN, INC. | 24,593 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,593 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.