| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PTW INSURANCE SERVICES3 | P.O. BOX 27098 FRESNO, CA 93729 | RSLI | $66K | — | $66K | 38.37% |
| PTW INSURANCE SERVICES3 | P.O. BOX 27098 FRESNO, CA 93729 | AIG | $11K | — | $11K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EPLAN EIN 20-3720767 NONE | Consulting (general); Direct payment from the plan; Claims processing Service code 12 | — | $1.6M |
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services; Direct payment from the plan; Contract Administrator Service code 12 | — | $1.3M |
| ARISTOTLE CAPITAL MANAGEMENT, LLC EIN 95-4833644 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $595K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $582K |
| KEYSTONE NATIONAL GROUP EIN 20-5150678 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $547K |
| CBRE GLOBAL INVESTORS EIN 95-4752098 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $378K |
| CITYSCAPE IT PROS EIN 46-1791445 NONE | Other services; Direct payment from the plan; Consulting (general) Service code 16 | — | $293K |
| REGINALD CYRUS EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $248K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $241K |
| PACIFIC INVESTMENTS EIN 77-0583390 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $200K |
| BRIDGEWAY BENEFIT TECHNOLOGIES, LLC EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Accounting (including auditing); Other commissions; Other services Service code 10 | — | $200K |
| IRMA ARANIBAR EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $174K |
| JOSE MORALES EIN 95-3846189 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $168K |
| DEBBIE LINK EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $159K |
| CAROL MOORE EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $155K |
| MARTINA MOJICA EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $146K |
| DANIELLA MARTINEZ EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $119K |
| MELANIE TALSMA EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $115K |
| NATALIE VASQUEZ EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $115K |
| MISTY LOPEZ EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $114K |
| MICHAEL SEEGMILLER EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $110K |
| DANA TENEYCK EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $103K |
| FRANK TIMPANI EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $103K |
| YADIRA CARABANTE EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $102K |
| DEBBIE NUNEZ EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $100K |
| SONIA GUERRERO EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $99K |
| ANA CRUZ EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $97K |
| L. WOODALL EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $91K |
| LUIS CISNEROS EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $91K |
| LEIA MASHAKA CONSULTING NONE | Consulting (general); Direct payment from the plan Service code 16 | 9045 IRON CACTUS AVE LAS VEGAS, NV 89148 | $91K |
| DONNA BEHAN EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $91K |
| S. DAIRY EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $90K |
| JESSIE MALDONADO EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $87K |
| A. HERNANDEZ EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $80K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $78K |
| M. ENJILI EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $75K |
| MERCER HUMAN RESOURCE NONE | Consulting (general); Other services; Direct payment from the plan Service code 16 | 17901 VON KARMAN AVENUE, SUITE 1100 IRVINE, CA 92614 | $71K |
| C. ARGUIN EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| POLOMA PUBLIC AFFAIRS EIN 83-0883342 NONE | Direct payment from the plan; Other services Service code 49 | — | $66K |
| G. GILLESPIE EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $66K |
| EXPRESS SCRIPTS NONE | Claims processing; Direct payment from the plan Service code 12 | 1 EXPRESS WAY ST. LOUIS, MO 63121 | $64K |
| S. HERRON EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $62K |
| CONSIDINE & ASSOCIATES, INC. NONE | Consulting (general); Other services; Direct payment from the plan Service code 16 | 25401 CABOT RD #200 LAGUNA HILLS, CA 92653 | $53K |
| JANET HERRERA EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $37K |
| HEA MCG HEALTH, LLC EIN 33-1104821 NONE | Other services; Consulting (general); Direct payment from the plan Service code 16 | — | $36K |
| J. BERNAL EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $36K |
| WILSON, ELSER, NOKSKOWITZ EIN 22-2027092 NONE | Legal; Direct payment from the plan Service code 29 | — | $32K |
| FAIR HEALTH INC EIN 90-0524293 NONE | Other services; Consulting (general); Direct payment from the plan Service code 16 | — | $29K |
| E. ESTRELLA EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $28K |
| PRO PHARMA PHARMACEUTICAL EIN 95-4081972 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $26K |
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 | 2,982 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,356 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 560 | $175K |
| Long-term disability | RSLI | 1,596 | $172K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 560 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,596 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.