| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS PROGRAM ADMINISTRATION EIN 13-2501278 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $137K |
| RAEL & LETSON EIN 94-1701048 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $48K |
| WOHLNER KAPLON CUTLER HALFORD ROSEN EIN 95-4177931 NONE | Legal; Direct payment from the plan Service code 29 | — | $38K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $29K |
| DUCENTA SQUARED ASSET MANAGEMENT EIN 85-0584508 NONE | Direct payment from the plan; Investment management Service code 28 | — | $6K |
| NATIONAL COMPLIANCE SERVICES EIN 77-0547053 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $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 | 601 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | 1,421 | $247K |
| Vision | VISION SERVICE PLAN | 697 | $58K |
| Life insurance | UNITED HEALTHCARE | 682 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,421 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.