| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNION ROOFERS ADMIN. EIN 95-1259333 ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Plan Administrator Service code 13 | — | $460K |
| DECARLO SHANLEY EIN 95-4022565 NONE | Legal; Direct payment from the plan Service code 29 | — | $23K |
| US BANK EIN 31-0841368 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $20K |
| BERNARD KOTKIN & CO., LLP EIN 95-2556670 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $18K |
| UNION BANK OF CAL. EIN 94-1234979 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $16K |
| REAL & LETSON EIN 94-1701048 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $12K |
| CYNTHIA GRAYDON EIN 56-2455975 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $11K |
| MICHAEL SUROWITZ EIN 20-5535752 NONE | Direct payment from the plan Service code 50 | — | $9K |
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 | 979 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 979 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 0 | $0 |
| Dental | DELTA DENTAL OF CALIFORNIA | 0 | $0 |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 586 | $78K |
| Life insurance | HCC LIFE INSURANCE | 0 | $0 |
| Other | STANDARD INSURANCE COMPANY | 978 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,536 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.