| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITMALL | 2111 E. HIGHLAND AVE. PHOENIX, AZ 85016 | THE UNION LABOR LIFE INSURANCE COMPANY | $20K | — | $20K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS ADMINISTRATORS EIN 38-2383171 NONE | Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $3.1M |
| BROADREACH MEDICAL RESOURCES EIN 02-0640082 NONE | Plan Administrator; Claims processing Service code 12 | — | $1.4M |
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Contract Administrator; Claims processing; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $477K |
| HORIZON ACTUARIAL SERVICES EIN 26-1370698 NONE | Actuarial; Consulting (general) Service code 11 | — | $107K |
| RAEL & LETSON EIN 94-1701048 NONE | Actuarial; Consulting (general) Service code 11 | — | $107K |
| SEYFARTH SHAW, LLP EIN 36-2152202 NONE | Legal Service code 29 | — | $106K |
| PART D ADVISORS, INC. EIN 85-3689655 NONE | Consulting (general) Service code 16 | — | $101K |
| 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 | — | $67K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Claims processing Service code 12 | — | $65K |
| PHARMACY BENEFIT SOLUTIONS EIN 47-0866096 NONE | Consulting (general) Service code 16 | — | $49K |
| HENNINGFIELD & ASSOCIATES, INC. EIN 54-2189926 NONE | Accounting (including auditing) Service code 10 | — | $41K |
| AMERICAN SPECIALTY HEALTH GROUP EIN 33-0571188 NONE | Other services Service code 49 | — | $27K |
| IRON MOUNTAIN STORAGE EIN 04-3038590 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $21K |
| MEDICAL REVIEW INSTITUTE OF AM EIN 87-0515201 NONE | Consulting (general) Service code 16 | — | $10K |
| ASSURED PARTNERS OF CALIFORNIA EIN 35-2607925 NONE | Insurance brokerage commissions and fees Service code 53 | — | $8K |
| PACIFIC INCOME ADVISORS EIN 22-3283186 NONE | Investment management fees paid indirectly by plan Service code 52 | — | $0 |
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 | 5,191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,588 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN - SOUTHERN CALIFORNIA | 9,321 | $90.6M |
| Dental | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | 2,903 | $371K |
| Vision | VISION SERVICE PLAN | 5,172 | $547K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,961 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,321 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.