No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS ADMINISTRATORS EIN 88-6010564 PLAN ADMINISTRATOR | Contract Administrator Service code 13 | — | $58K |
| VERUS INVESTMENTS EIN 91-1320111 INVESTMENT ADVISORY | Consulting (general) Service code 16 | 999 THIRD AVE. STE 4200 SEATTLE, WA 98104 | $16K |
| INNOVATIVE COST MANAGEMENT SERVICES CONSULTING | Consulting (general) Service code 16 | 2141 PALOMAR AIRPORT RD 360 CARLSBAD, CA 92011 | $11K |
| GRANDFLOW, INC. EIN 94-0304228 PRINTING SERVICES | Other services Service code 49 | 135D LINDBERGH AVE LIVERMORE, CA 94551 | $11K |
| MELISSA W. COOK & ASSOCIATES EIN 95-3245809 ATTORNEY | Legal Service code 29 | — | $10K |
| UNION BANK EIN 94-0304228 BANKING SERVICES | Trustee (bank, trust company, or similar financial institution) Service code 21 | 445 SOUTH FIGUEROA STREET LOS ANGELES, CA 90071 | $9K |
| PKF, LLP EIN 81-3391684 ACCOUNTANT | Accounting (including auditing) Service code 10 | 2020 CAMINO DEL RIO N. SUITE 500 SAN DIEGO, CA 92108 | $7K |
| MARSH & MCLENNNAN AGENCY LLC EIN 26-3237576 INSURANCE | Insurance services Service code 23 | 9171 TOWNE CENTRA DR SUITE 500 SAN DIEGO, CA 92122 | $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 | 263 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 363 | $1.8M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.