No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONSTRUCTION BENEFIT ADMIN. INC EIN 95-3142450 ADMIN ORGANIZATION | Contract Administrator Service code 13 | 3805 SILLECT AVENUE BAKERSFIELD, CA 93308 | $151K |
| SEGAL COMPANY EIN 94-1503999 NONE | Actuarial Service code 11 | 330 N BRAND BLVD., SUITE 500 GLENDALE, CA 91203 | $47K |
| TIFFANY LENA EIN 56-0452052 NONE | Legal Service code 29 | 1670 SAGEWOOD WAY SAN MARCOS, CA 92078 | $23K |
| MARCO CONSULTING EIN 36-3555078 NONE | Investment advisory (plan) Service code 27 | 550 W. WASHINGTON BLVD, SUITE 900 CHICAGO, IL 60661 | $15K |
| BERNARD KOTKIN AND CO LLP EIN 95-2556670 NONE | Accounting (including auditing) Service code 10 | 533 S FREMONT AVENUE, SUITE 802 LOS ANGELES, CA 90071 | $11K |
| MICHAEL SUROWITZ EIN 26-2336426 NONE | Accounting (including auditing) Service code 10 | 28026 DRYWELL CIR. CASTAIC, CA 91384 | $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 | 469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 91 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLANS INC. | 1,598 | $7.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,222 | $564K |
| Vision | KAISER FOUNDATION HEALTH PLANS INC. | 1,598 | $7.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,222 | $434K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,222 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,598 | — |
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.