| 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 | $58K | — | $58K | 5.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | AND FINANCIAL SERVICES 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $19K | $19K | 2.00% |
| NTH INSURANCE AGENCY INC.3 Filed as: NTH INSURANCE AGENCY, INC | DBA ALLIANCE 360 INS 10833 VALLEY VIEW ST STE 550 CYPRESS, CA 906305056 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $3K | $22K | 15.40% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | SERVICES DBA BENEFITMALL 12404 PARK CENTRAL DR STE 400S DALLAS, TX 752511800 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 4.56% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 215 | $965K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $142K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $142K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $142K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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 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.