| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH ADMINISTRATORS EIN 52-1590516 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $107K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $27K |
| REICH, ADELL & CVITAN EIN 95-3082677 NONE | Legal; Direct payment from the plan Service code 29 | — | $24K |
| COMPLIANCE VERIFICATION INC. EIN 26-2336426 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $11K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $9K |
| QUEST INVESTMENT MANAGER EIN 93-0880854 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $9K |
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 | 765 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 2,123 | $10.5M |
| Vision | VISION SERVICE PLAN | 726 | $51K |
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 763 | $27K |
| Other | UNION LABOR LIFE INSURANCE COMPANY | 763 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,123 | — |
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.