| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $6K | $2K | $3K | +163.6% |
| Broker comp per covered life | $0 | $0 | $23 | -100.0% |
| Broker comp % of premium | 0.0% | 0.0% | 1.2% | -0.0 pp |
| Retention rate | 0.0% | 0.0% | 0.4% | -0.0 pp |
| Premium YoY % | — | -13.5% | -11.8% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SC UFCW ADMINISTRATION LLC EIN 74-3243950 ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $18.6M |
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 NONE | Claims processing; Direct payment from the plan Service code 12 | BLUE CROSS OF CA DEPT 5812 LOS ANGELES, CA 900745812 | $4.5M |
| HEALTH MANAGEMENT CONCEPTS EIN 75-3189468 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $2.3M |
| RX TE HEALTH EIN 26-2945963 EMPLOYER | Direct payment from the plan; Consulting (general) Service code 16 | — | $825K |
| SEGAL COMPANY EIN 94-1503999 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $555K |
| SEYFARTH SHAW EIN 36-2152202 NONE | Legal; Direct payment from the plan Service code 29 | — | $450K |
| CREWS MACQUARRIE & ASSOC. EIN 38-3647875 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $352K |
| WEISS DDS, ALAN Z NONE | Claims processing; Direct payment from the plan Service code 12 | 5122 GAVIOTA AVE ENCINO, CA 91436 | $292K |
| SCHWARTZ, STEINSAPIR EIN 95-2077781 NONE | Legal; Direct payment from the plan Service code 29 | — | $290K |
| MITCHELL DDS, BARRY NONE | Direct payment from the plan; Claims processing Service code 12 | 2660 CYPRESS POINT TUSTIN, CA 92680 | $274K |
| SMITH COMMUNICATION PARTNERS EIN 20-2894624 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $169K |
| INCOME RESEARCH & MANAGEMENT EIN 04-2955404 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $147K |
| HEALTH PLAN ORGANIZATION OF CA NONE | Claims processing; Direct payment from the plan Service code 12 | PO BOX 20380 CARSON CITY, NV 89721 | $118K |
| PATTERSON CAPITAL CORP EIN 95-3170259 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $96K |
| SEGAL MD, GARY P NONE | Direct payment from the plan; Claims processing Service code 12 | 16771 KAMALII DR HUNTINGTON BEACH, CA 92649 | $86K |
| ANTHEM BLUE CROSS EIN 95-3760980 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $79K |
| HEMMING MORSE EIN 30-0702322 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $75K |
| MEKETA INVESTMENT GRP INC EIN 04-2659023 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $55K |
| SHAPIRO DDS, GARY & LIEWEN DDS, MAR NONE | Direct payment from the plan; Claims processing Service code 12 | 8731 ARLENE TERRACE LOS ANGELES, CA 90046 | $54K |
| VICTORY CAPITAL MGMT EIN 13-2700161 NONE | Investment management; Direct payment from the plan Service code 28 | — | $48K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 INVESTMENT MANAGER | Investment management fees paid indirectly by plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $41K |
| SINGER DDS, JULIAN NONE | Claims processing; Direct payment from the plan Service code 12 | 3172 BUTLER AVE LOS ANGELES, CA 90066 | $36K |
| STATE STREET EIN 04-1867445 CUSTODIAN | Custodial (securities); Direct payment from the plan Service code 19 | — | $27K |
| HIGHMARK CAPITAL MANAGEMENT EIN 94-3050577 NONE | Investment management fees paid directly by plan; Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $7K |
| TC3 HEALTH INC NONE | Claims processing; Direct payment from the plan Service code 12 | 19732 MACARTHUR BLVD 100 IRVINE, CA 92612 | $6K |
| JACKIE HERBELIN EIN 55-0887858 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $6K |
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 | 46,118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14,650 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 60,768 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
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.