No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS, INC. EIN 52-1590516 NONE | Contract Administrator Service code 13 | — | $256K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general); Actuarial Service code 11 | — | $80K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $64K |
| REICH, ADELL & CVITAN EIN 95-3082677 NONE | Legal Service code 29 | — | $37K |
| CARE RESOURCES, INC. EIN 33-0243950 NONE | Other services Service code 49 | — | $21K |
| ANTHEM BLUE CROSS & HEA INS CO EIN 95-4331852 NONE | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $20K |
| CITY NATIONAL BANK EIN 95-1780067 NONE | Custodial (other than securities) Service code 18 | — | $11K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing Service code 12 | — | $8K |
| CORPORATE MAIL SERVICE, LLC EIN 46-2336568 NONE | Other services Service code 49 | — | $7K |
| MAC ADAM MAIL & COURIER, INC. EIN 95-3522549 NONE | Other services Service code 49 | — | $5K |
| KELLY DRYDEN TRUSTEE | Trustee (individual) Service code 20 | 221 MAIN ST STE 250 SAN FRANCISCO, CA 94105 | $5K |
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 | 503 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 403 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 6 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 912 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,184 | $10.0M |
| Vision | VISION SERVICE PLAN | 504 | $71K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 503 | $17K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 117 | $59K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 503 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,184 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.