Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The filing reports zero broker compensation on a plan over 100 participants. The plan likely buys direct or does not report its broker. Give it a call.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: None HMO | HMO | |
Broker: None Dental | Dental | |
Broker: None Vision | Vision | |
Life | Life |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 4 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
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 or separated, and beneficiaries. Dependents are not counted. |
| 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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
None Carrier: Kaiser Permanente Health Plan Inc | |
None Carrier: United Concordia Dental Plans of California, Inc. | |
None Carrier: Vision Service Plan |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS PROGRAM ADMINISTRATION EIN 13-2501278 NONE | Contract Administrator; Direct payment from the plan 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 | Investment management; Direct payment from the plan Service code 28 | — | $6K |
| NATIONAL COMPLIANCE SERVICES EIN 77-0547053 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $6K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
1 contact
10 filings · 2016 to 2025