| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT MALL | 5090 NORTH 40TH STREET, STE 100 PHOENIX, AZ 85018 | AMALGAMATED LIFE INSURANCE COMPANY | $13K | — | $13K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS ADMINISTRATORS EIN 38-2383171 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2.9M |
| BROADREACH MEDICAL RESOURCES EIN 02-0640082 NONE | Claims processing Service code 12 | — | $1.8M |
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Float revenue; Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $323K |
| HEALTH MANAGEMENT CONCEPTS EIN 75-3189468 NONE | Other services Service code 49 | — | $109K |
| SEYFARTH SHAW, LLP EIN 36-2152202 NONE | Legal Service code 29 | — | $95K |
| WOHLNER KAPLON CUTLER HALFORD & ROS EIN 95-4177931 NONE | Legal Service code 29 | — | $94K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Claims processing Service code 12 | — | $86K |
| CREW MACQUARRIE & ASSOCIATES EIN 38-3647875 NONE | Consulting (general); Actuarial Service code 11 | — | $86K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general) Service code 16 | — | $86K |
| HENNINGFIELD & ASSOCIATES, INC. EIN 54-2189926 NONE | Accounting (including auditing) Service code 10 | — | $44K |
| BARRY MITCHELL DDS EIN 95-3919508 NONE | Consulting (general) Service code 16 | — | $37K |
| DONALD HUBER, DDS EIN 27-2119805 NONE | Consulting (general) Service code 16 | — | $35K |
| COMERICA BANK EIN 42-1741646 NONE | Custodial (securities) Service code 19 | — | $20K |
| AMERICAN SPECIALTY HEALTH GROUP EIN 33-0571188 NONE | Other services Service code 49 | — | $13K |
| MATT MACLEAN, DDS EIN 95-4809941 NONE | Consulting (general) Service code 16 | — | $11K |
| AMERICAN HEALTH HOLDING INC EIN 31-1368946 NONE | Other services Service code 49 | — | $9K |
| PODIATRY PLAN EIN 94-2864053 NONE | Other services Service code 49 | — | $7K |
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 | 6,867 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,524 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN - SOUTHERN CALIFORNIA | 13,960 | $85.5M |
| Dental | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | 5,103 | $686K |
| Vision | VISION SERVICE PLAN | 6,776 | $886K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 2,071 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,960 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.