| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPACITY BENEFITS AND FINANCIAL3 | ONE INTERNATIONAL BOULEVARD MAHWAH, NJ 07495 | BLUE SHIELD OF CALIFORNIA PHYSICIAN'S SERVICE | — | $74K | $74K | 5.26% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 6200 CANOGA AVE STE 300 WOODLAND HILLS, CA 91367 | BLUE SHIELD OF CALIFORNIA PHYSICIAN'S SERVICE | $30K | — | $30K | 2.11% |
| CAPACITY BENEFITS AND FINANCIAL3 | ONE INTERNATIONAL BOULEVARD MAHWAH, NJ 07495 | GUARDIAN | $13K | $7K | $20K | 11.46% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | GUARDIAN | $9K | — | $9K | 5.00% |
| NRL WEALTH CREATION STRAT3 | 25 CARLE ROAD WESTBURY, NY 11590 | GUARDIAN | $42 | — | $42 | 0.02% |
| CAPACITY BENEFITS AND FINANCIAL3 | ONE INTERNATIONAL BLVD MAHWAH, NJ 07495 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $564 | — | $564 | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE COVERAGE | 6200 CANOGA AVE. STE 300 WOODLAND HILLS, CA 91367 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $226 | — | $226 | 2.00% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA PHYSICIAN'S SERVICE | 185 | $1.4M |
| Dental | GUARDIAN | 93 | $174K |
| Vision | GUARDIAN | 93 | $174K |
| Life insurance | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 185 | $11K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 185 | $185K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA PHYSICIAN'S SERVICE | 185 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.