No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEGAL COMPANY EIN 94-1503999 NONE | Actuarial; Consulting (general) Service code 11 | — | $68K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $60K |
| EMPLOYEE 1 EIN 95-6053542 EMPLOYEE OF RELATED ORG. | Employee (plan) Service code 30 | — | $59K |
| EMPLOYEE 2 EIN 95-6053542 EMPLOYEE OF RELATED ORG. | Employee (plan) Service code 30 | — | $45K |
| TIFFANY LENA EIN 56-0452052 NONE | Legal Service code 29 | — | $43K |
| RAEL LETSON EIN 94-1701048 NONE | Consulting (general); Actuarial; Insurance agents and brokers Service code 11 | — | $36K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | — | $15K |
| CITIZENS BANK NONE | Investment management; Trustee (bank, trust company, or similar financial institution) Service code 21 | PO BOX 2549 RANCHO CUCAMONGA, CA 91729 | $6K |
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 | 868 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC | 2,554 | $17.2M |
| Dental | BLUE CROSS OF CALIFORNIA | 2,566 | $759K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 883 | $36K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 883 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,566 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.