No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GENEVIEVE LUNA EIN 95-6068285 NONE | Employee (plan) Service code 30 | — | $84K |
| MICHELLE YBARRA EIN 95-6068285 NONE | Employee (plan) Service code 30 | — | $77K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $39K |
| CARMEN REYES EIN 95-6068285 NONE | Employee (plan) Service code 30 | — | $37K |
| MILLIMAN EIN 91-0675641 NONE | Consulting (general) Service code 16 | — | $35K |
| GILBERT & SACKMAN EIN 95-2906951 NONE | Legal Service code 29 | — | $8K |
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 | 399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 1,364 | $6.7M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 504 | $280K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 778 | $18K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 1,364 | $6.7M |
| Other | AETNA LIFE INSURANCE COMPANY | 778 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,364 | — |
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.