| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHA HAZLEWOOD | 2616 LA COSTA AVE CARLSBAD, CA 92009 | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | $5K | — | $5K | 0.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS ADMINISTRATORS EIN 38-2383171 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $2.9M |
| BROADREACH MEDICAL RESOURCES EIN 02-0640082 NONE | Claims processing Service code 12 | — | $1.7M |
| PART D ADVISORS, INC. EIN 20-2595200 NONE | Other services Service code 49 | — | $444K |
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue; Other services Service code 12 | — | $345K |
| SEYFARTH SHAW, LLP EIN 36-2152202 NONE | Legal Service code 29 | — | $107K |
| HEALTH MANAGEMENT CONCEPTS EIN 75-3189468 NONE | Other services Service code 49 | — | $107K |
| CREW MACQUARRIE & ASSOCIATES EIN 38-3647875 NONE | Actuarial; Consulting (general) Service code 11 | — | $87K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general) Service code 16 | — | $87K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Claims processing Service code 12 | — | $84K |
| WOHLNER KAPLON CUTLER HALFORD & ROS EIN 95-4177931 NONE | Legal Service code 29 | — | $62K |
| PACIFIC INCOME ADVISORS EIN 95-4067974 NONE | Investment management fees paid indirectly by plan Service code 52 | — | $55K |
| AMERICAN SPECIALTY HEALTH GROUP EIN 33-0571188 NONE | Other services Service code 49 | — | $51K |
| DONALD HUBER, DDS EIN 27-2119805 NONE | Consulting (general) Service code 16 | — | $48K |
| COMERICA BANK EIN 42-1741646 NONE | Custodial (securities) Service code 19 | — | $41K |
| HENNINGFIELD & ASSOCIATES, INC. EIN 54-2189926 NONE | Accounting (including auditing) Service code 10 | — | $38K |
| BARRY MITCHELL DDS EIN 95-3919508 NONE | Consulting (general) Service code 16 | — | $34K |
| MATT MACLEAN, DDS EIN 95-4809941 NONE | Consulting (general) Service code 16 | — | $11K |
| PODIATRY PLAN EIN 94-2864053 NONE | Other services Service code 49 | — | $7K |
| AJ LONGO AND ASSOCIATES EIN 95-2970212 NONE | Insurance agents and brokers Service code 22 | — | $7K |
| AMERICAN HEALTH HOLDING INC EIN 31-1368946 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 | 6,670 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,503 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,173 | 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 | 13,523 | $85.8M |
| Dental | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | 4,938 | $667K |
| Vision | VISION SERVICE PLAN | 6,600 | $848K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 1,942 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,523 | — |
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 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.