No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COAST BENEFITS EIN 33-0670046 NONE | Contract Administrator Service code 13 | — | $60K |
| MELISSA W. COOK & ASSOCIATES EIN 95-3245809 NONE | Legal Service code 29 | — | $24K |
| ANTHONY F. BUBENAS & CO., INC. EIN 95-2368103 NONE | Consulting (general) Service code 16 | — | $18K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| MICHAEL SUROWITZ COMPLIANCE VERIFI. NONE | Accounting (including auditing) Service code 10 | 23438 BALMORAL LN WEST HILLS, CA 91307 | $5K |
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 | 47 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 47 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 120 | $994K |
| Dental | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | 138 | $24K |
| Vision | VISION SERVICE PLAN | 53 | $2K |
| Life insurance | ASSURITY LIFE INSURANCE COMPANY | 52 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.