| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | KAISER FOUNDATION HEALTH PLAN | — | — | $0 | 0.00% |
| NONE | — | UNITED HEALTHCARE GROUP | — | — | $0 | 0.00% |
| NONE | — | TOKIO MARINE HCC STOP LOSS GROUP | — | — | $0 | 0.00% |
| NONE | — | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| NONE | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO | — | — | $0 | 0.00% |
| NONE | — | EYEMED VISION CARE | — | — | $0 | 0.00% |
| NONE | — | MHN SERVICES, LLC | — | — | $0 | 0.00% |
| NONE | — | MHN SERVICES, LLC | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORCORAN ADMINISTRATORS EIN 27-5364514 NONE | Plan Administrator; Other services Service code 14 | — | $515K |
| RAEL AND LETSON EIN 94-1701048 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $199K |
| EPLAN EIN 20-3720767 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $67K |
| BLUE CROSS EIN 94-2822302 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $51K |
| MICHAEL SUROWITZ COMPLIANCE VERIFIC EIN 26-2336426 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $44K |
| CIGNA - DENTAL PPO EIN 59-1031071 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $41K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $30K |
| VISION SERVICE PREMIUM EIN 94-1632821 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $19K |
| SCOTT CAPITAL ADVISORS EIN 84-4636104 NONE | Direct payment from the plan; Securities brokerage Service code 33 | — | $17K |
| GILBERT & SACKMAN, A LAW CORP. EIN 95-2906951 NONE | Legal; Direct payment from the plan Service code 29 | — | $13K |
| RX ADMIN EIN 04-3608530 NONE | Direct payment from the plan; Other insurance fees and expenses Service code 50 | — | $13K |
| MEDEXPERT EIN 94-3360248 NONE | Other insurance fees and expenses; Direct payment from the plan Service code 50 | — | $10K |
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 | 1,086 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 438 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 2,026 | $19.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,628 | $322K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,808 | $144K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO | 889 | $91K |
| Short-term disability | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO | 889 | $91K |
| Long-term disability | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO | 889 | $91K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC STOP LOSS GROUP | 200 | $133K |
| Other(2 contracts) | MHN SERVICES, LLC | 600 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,026 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.