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 pricingThe primary broker changed. The plan may listen to a new pitch.
Broker 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.
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 Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
HealthHMO | HealthHMO | |
HealthHMO | HealthHMO | |
Vision | Vision | |
Broker: Centerstone Ins & Fin Services Stop-loss | Stop-loss | |
DentalHMO | DentalHMO |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 6 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 | 5,061 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,519 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,580 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN - SOUTHERN CALIFORNIA | 8,989 | $75.9M |
| Dental | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | 2,753 | $335K |
| Vision | VISION SERVICE PLAN | 5,038 | $521K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC - A&H GROUP | 1,946 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,989 | - |
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 |
|---|---|
Carrier: Tokio Marine HCC - A&H Group |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS ADMINISTRATORS EIN 38-2383171 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing Service code 12 | — | $3.1M |
| BROADREACH MEDICAL RESOURCES EIN 02-0640082 NONE | Plan Administrator; Claims processing Service code 12 | — | $1.3M |
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Other services Service code 49 | — | $493K |
| PHARMACY BENEFIT SOLUTIONS EIN 47-0866096 NONE | Accounting (including auditing); Consulting (general) Service code 10 | — | $158K |
| HORIZON ACTUARIAL SERVICES EIN 26-1370698 NONE | Consulting (general); Actuarial Service code 11 | — | $111K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general); Actuarial Service code 11 | — | $111K |
| SEYFARTH SHAW, LLP EIN 36-2152202 NONE | Legal Service code 29 | — | $104K |
| HMC HEALTHWORKS EIN 75-3189468 NONE | Other services Service code 49 | — | $96K |
| WOHLNER KAPLON CUTLER HALFORD ROSEN EIN 83-2856417 NONE | Legal Service code 29 | — | $76K |
| COMERICA BANK EIN 42-1741646 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $73K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Claims processing Service code 12 | — | $65K |
| PART D ADVISORS, INC. EIN 85-3689655 NONE | Consulting (general) Service code 16 | — | $60K |
| HENNINGFIELD & ASSOCIATES, INC. EIN 54-2189926 NONE | Accounting (including auditing) Service code 10 | — | $47K |
| IRON MOUNTAIN STORAGE EIN 23-2588479 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $29K |
| AMERICAN SPECIALTY HEALTH GROUP EIN 33-0571188 NONE | Other services Service code 49 | — | $27K |
| ASSURED PARTNERS OF CALIFORNIA EIN 35-2607925 NONE | Insurance brokerage commissions and fees Service code 53 | — | $9K |
| MEDEXPERT EIN 94-3360248 NONE | Contract Administrator Service code 13 | — | $7K |
| PACIFIC INCOME ADVISORS EIN 22-3283186 NONE | Investment management fees paid directly by plan Service code 51 | — | $0 |
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.
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11 filings · 2015 to 2025