| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $9K | $691 | $2K | +1216.6% |
| Broker comp per covered life | $0 | $11 | $35 | -100.0% |
| Broker comp % of premium | 0.0% | 1.3% | 6.8% | -1.3 pp |
| Retention rate | 0.0% | 0.0% | 1.0% | |
| Premium YoY % | -3.9% | -12.3% | -21.8% | +8.4 pp |
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SC UFCW ADMINISTRATION LLC EIN 74-3243950 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $22.6M |
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 NONE | Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $4.4M |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.8M |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Contract Administrator Service code 12 | — | $1.2M |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $758K |
| THE SEGAL CO. (WS) INC. EIN 94-1503999 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $529K |
| SEYFARTH SHAW EIN 36-2152202 NONE | Legal; Direct payment from the plan Service code 29 | — | $518K |
| HEALTH MANAGEMENT CONCEPTS EIN 75-3189468 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $509K |
| CVS PHARMACY, INC. EIN 05-0340626 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $371K |
| SCHWARTZ, STEINSAPIR, DOHRMANN EIN 95-2077781 NONE | Legal; Direct payment from the plan Service code 29 | — | $337K |
| INCOME RESEARCH & MANAGEMENT EIN 04-2955404 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $230K |
| WELLS FARGO BANK NA NONE | Direct payment from the plan; Other services Service code 49 | 2030 MAIN ST 7TH FL IRVINE, CA 92614 | $168K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $152K |
| CS MCKEE EIN 84-3346426 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $149K |
| BARRY MITCHELL, DDS EIN 55-7843237 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $146K |
| ALAN WEISS, DDS EIN 55-5159998 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $135K |
| HEALTHLINX LLC EIN 87-0660214 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $130K |
| SMITH COMMUNICATIONS PARTNERS EIN 20-2894624 NONE | Other fees; Direct payment from the plan Service code 50 | — | $99K |
| SHENKMAN CAPITAL MGMT NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 151 W 42ND ST NEW YORK, NY 10036 | $92K |
| MEKETA INVESTMENT GROUP EIN 04-2659023 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $81K |
| KEYBANK NATIONAL ASSOCIATION EIN 34-0797057 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $77K |
| NORTHERN TRUST CAPITAL MANAGEMENT EIN 36-2723087 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $28K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Investment management Service code 21 | — | $26K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 NONE | Insurance agents and brokers Service code 22 | — | $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 | 38,865 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15,939 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 54,804 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 29,727 | $269.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 3,716 | $740K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,727 | — |
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.