| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERNATIVE RISK SOLUTIONS LLC3 | 101 2ND STREET, SUITE 100 PETALUMA, CA 94952 | RELIASTAR LIFE INSURANCE COMPANY | — | $150K | $150K | 10.00% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $257 | — | $257 | 15.01% |
| TRG INSURANCE SERVICES5 | P.O. BOX 743376 LOS ANGELES, CA 90074 | TRANSAMERICA INSURANCE CO. | $108 | — | $108 | 6.31% |
| WEB TPA5 | 8500 FREEPORT PKWY S IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $84 | — | $84 | 4.91% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY | $51 | — | $51 | 6.90% |
| TRG INSURANCE SERVICES5 | P.O. BOX 743376 LOS ANGELES, CA 90074 | ENVISION INSURANCE COMPANY | $12 | — | $12 | 1.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE SHIELD OF CALIFORNIA EIN 94-6077403 NONE | Employee (plan); Claims processing Service code 12 | — | $0 |
| BROKERAGE CONCEPTS EIN 11-3667763 NONE | Claims processing Service code 12 | — | $0 |
| INTEGRO USA, INC. EIN 20-2600995 NONE | Custodial (securities) Service code 19 | — | $0 |
| METROPOLITAN LIFE INC. CO. EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $0 |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Claims processing; Contract Administrator Service code 12 | — | $0 |
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 | 1,186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA INSURANCE CO. | 1 | $2K |
| Prescription drug | ENVISION INSURANCE COMPANY | 1 | $739 |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,186 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,186 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.