| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| V | — | LANDMARK HEALTH PLAN | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFIC FEDERAL LLC EIN 47-3302715 NONE | Direct payment from the plan; Contract Administrator; Consulting (general) Service code 13 | — | $2.1M |
| BUSH GOTTLIEB, A LAW CORPORATION EIN 95-2956616 NONE | Legal; Direct payment from the plan Service code 29 | — | $70K |
| MILLIMAN USA EIN 91-0675641 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $55K |
| BLEIWEISS COMMUNICATIONS INC EIN 95-3676526 NONE | Participant communication; Direct payment from the plan Service code 38 | — | $38K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $22K |
| NIGRO KARLIN SEGAL & FELDSTEIN EIN 95-3632775 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $10K |
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 | 4,298 | 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) | 4,298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 12,441 | $87.2M |
| Dental(6 contracts, 4 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 4,039 | $2.4M |
| Vision(2 contracts, 2 carriers) | DAVIS VISION - INSURER HM LIFE INSURANCE COMPANY | 15,187 | $1.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 6,112 | $99K |
| Prescription drug(2 contracts) | BLUE SHIELD OF CALIFORNIA | 461 | $10.1M |
| Other(8 contracts, 7 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 6,604 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,187 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.