| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NTH INSURANCE AGENCY INC.3 Filed as: NTH INSURANCE AGENCY | INC THE 10833 VALLEY VIEW ST #550 CYPRESS, CA 90630 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $32K | — | $32K | 3.57% |
| J MOREY AIHARA INSURANCE3 | SERVICES LLC 250 E. FIRST STREET, 801 LOS ANGELES, CA 90012 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $22K | — | $22K | 2.42% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | SERVICES 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $18K | $18K | 1.99% |
| NTH INSURANCE AGENCY INC.3 Filed as: NTH INSURANCE AGENCY, INC. DBA | ALLIANCE 360 INSURANCE SOLUTIONS 10833 VALLEY VIEW ST STE 550 CYPRESS, CA 906305056 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $945 | $15K | 13.19% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND | FINANCIAL SERVICES 12404 PARK CENTRAL DR STE 400S DALLAS, TX 752511814 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.52% |
| NTH INSURANCE AGENCY INC.3 | 10833 VALLEY VIEW ST SUITE 550 CYPRESS, CA 90630 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $725 | — | $725 | 3.00% |
| CHARLES BOGUE3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $73 | — | $73 | 0.30% |
No Schedule C service providers reported on this filing.
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 216 | $890K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $116K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $116K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $116K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.