| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1001 GALAXY WAY, SUITE 300 CONCORD, CA 94520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $116K | $0 | $116K | 16.98% |
| HENDERSON STRATEGIC FIN INS SVCS3 Filed as: HENDERSON STRATEGIC FIN INS SVCS. | UNKNOWN SAN FRANCISCO, CA 94105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | $0 | $30K | 4.34% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AGCY & FIN SVCS. | UNKNOWN SAN FRANCISCO, CA 94105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.47% |
| USI INSURANCE SERVICES LLC3 | 2800 WEST MARCH LANE, SUITE 100 STOCKTON, CA 95219 | PRINCIPAL LIFE INSURANCE COMPANY | $26K | $0 | $26K | 10.11% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FIN SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $5K | $18K | 7.02% |
| HENDERSON STRATEGIC FIN INS SVCS3 Filed as: HENDERSON STRATEGIC FIN. INS. | 855 EL CAMINO REAL, SUITE 220 PALO ALTO, CA 94301 | PRINCIPAL LIFE INSURANCE COMPANY | -$203 | $17K | $17K | 6.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $0 | $7K | 3.66% |
| HENDERSON STRATEGIC FIN INS SVCS3 Filed as: HENDERSON STRATEGIC FIN. INS. SVCS. | 855 EL CAMINO REAL, SUITE 220 PALO ALTO, CA 94301 | KAISER FOUNDATION HEALTH PLAN INC | $321 | $0 | $321 | 0.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FIN SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | KAISER FOUNDATION HEALTH PLAN INC | $153 | $0 | $153 | 0.08% |
| HENDERSON STRATEGIC FIN INS SVCS3 Filed as: HENDERSON STRATEGIC FIN. INS. | 855 EL CAMINO REAL, SUITE 220 PALO ALTO, CA 94301 | KAISER FOUNDATION HEALTH PLAN INC | $138 | $0 | $138 | 0.07% |
| HENDERSON STRATEGIC FIN INS SVCS3 Filed as: HENDERSON STRATEGIC FIN. INS. | 855 EL CAMINO REAL, SUITE 220 BUILDING 4 PALO ALTO, CA 94301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $174 | $0 | $174 | 1.14% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 253 | $872K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 382 | $260K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 382 | $260K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 382 | $260K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 382 | $260K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 382 | $260K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 253 | $872K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 382 | $959K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.