| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PTW INSURANCE SERVICES3 | P.O. BOX 27098 FRESNO, CA 93729 | RSLI | $69K | — | $69K | 11.12% |
| PTW INSURANCE SERVICES3 | P.O. BOX 27098 FRESNO, CA 93729 | AIG | $10K | — | $10K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Claims processing; Contract Administrator; Direct payment from the plan; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.5M |
| EPLAN EIN 20-3720767 NONE | Claims processing; Consulting (general); Direct payment from the plan Service code 12 | — | $1.3M |
| TWELVEFIFTEEN CONSULTING, INC. EIN 52-2838897 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $693K |
| ARISTOTLE CAPITAL MANAGEMENT, LLC EIN 95-4833644 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $638K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $631K |
| KEYSTONE NATIONAL GROUP EIN 20-5150678 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $562K |
| CITYSCAPE IT PROS EIN 46-1791445 NONE | Other services; Direct payment from the plan; Consulting (general) Service code 16 | — | $323K |
| BRIDGEWAY BENEFIT TECHNOLOGIES, LLC EIN 52-1796473 NONE | Accounting (including auditing); Other services; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $290K |
| ORANGE HEALTH SOLUTIONS, INC EIN 80-0888155 NONE | Other services; Consulting (general); Direct payment from the plan Service code 16 | — | $271K |
| 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 | — | $246K |
| IRMA ARANIBAR EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $174K |
| JOSE MORALES EIN 95-3846189 EMPLOYEE | Direct payment from the plan; Employee (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 | Employee (plan); Direct payment from the 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 | Employee (plan); Direct payment from the 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 | Direct payment from the plan; Employee (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 |
| MERCER HUMAN RESOURCE NONE | Other services; Direct payment from the plan; Consulting (general) Service code 16 | 17901 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92614 | $102K |
| YADIRA CARABANTE EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the 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 |
| LEIA MASHAKA CONSULTING NONE | Consulting (general); Direct payment from the plan Service code 16 | 9045 IRON CACTUS AVE LAS VEGAS, NV 89148 | $96K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $92K |
| L. WOODALL EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $91K |
| LUIS CISNEROS EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $91K |
| DONNA BEHAN EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $91K |
| STEPHANIE DAIRY EIN 95-3846186 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $90K |
| JESSIE MALDONADO EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $87K |
| ADRIANA HERNANDEZ EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $80K |
| CBRE GLOBAL INVESTORS EIN 95-4752098 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $79K |
| MENOVA ENJILI EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $75K |
| CONSIDINE & ASSOCIATES, INC. EIN 82-3383419 NONE | Other services; Consulting (general); Direct payment from the plan Service code 16 | — | $71K |
| POLOMA PUBLIC AFFAIRS EIN 83-0883342 NONE | Direct payment from the plan; Other services Service code 49 | — | $69K |
| CHLOE ARGUIN EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| G. GILLESPIE EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $66K |
| VERUS ADVISORY, INC. EIN 91-1320111 NONE | Consulting (general); Investment advisory (plan); Direct payment from the plan Service code 16 | — | $63K |
| SHAWNA HERRON EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| HEA MCG HEALTH, LLC EIN 33-1104821 NONE | Other services; Direct payment from the plan; Consulting (general) Service code 16 | — | $44K |
| EXPRESS SCRIPTS NONE | Claims processing; Direct payment from the plan Service code 12 | 1 EXPRESS WAY ST. LOUIS, MO 63121 | $43K |
| PACIFIC INVESTMENTS EIN 77-0583390 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $40K |
| JANET HERRERA EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $37K |
| JENNY BERNAL EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $36K |
| FAIR HEALTH INC EIN 90-0524293 NONE | Consulting (general); Direct payment from the plan; Other services Service code 16 | — | $30K |
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 | 3,069 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,466 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 531 | $164K |
| Long-term disability | RSLI | 1,682 | $620K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 531 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,682 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.