No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Direct payment from the plan; Accounting (including auditing); Contract Administrator; Participant communication Service code 10 | — | $188K |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $50K |
| BERRY & CO., CPA'S LTD EIN 88-0400174 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $19K |
| WOHLNER KAPLON CUTLER HALFORD ROSEN NONE | Legal; Direct payment from the plan Service code 29 | 16501 VENTURA BLVD STE 304 ENCINO, CA 91436 | $16K |
| UNION BANK NA EIN 94-0304228 NONE | Account maintenance fees; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $13K |
| PACIFIC INCOME ADVISORS EIN 95-4067974 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $6K |
| MEKETA INVESTMENT GROUP, INC. EIN 04-2659023 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $5K |
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 | 480 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 863 | $4.4M |
| Dental | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | 890 | $136K |
| Vision | GERBER LIFFE INSURANCE CO. | 377 | $43K |
| Life insurance | STANDARD INSURANCE CO. | 377 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 890 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.