| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMINISTRATION AND | INSURANCE SERVICES INC 2300 CLAYTON RD STE 1450 CONCORD, CA 945202146 | KAISER FOUNDATION HEALTH PLAN INC | $44K | — | $44K | 4.98% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMINISTRATION AND | INSURANCE SERVICES INC 2300 CLAYTON RD STE 1450 CONCORD, CA 94520 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 7.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO. INC | — | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $3K | — | $3K | 9.95% |
| NONSTOP ADMINISTRATION & INSURANCE3 | SERVICES, INC 2300 CLAYTON RD. #1450 CONCORD, CA 94520 | EYEMED VISION CARE | $2K | — | $2K | 9.22% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMINISTRATION AND | INSURANCE SERVICES INC 2300 CLAYTON RD SUITE 1450 CONCORD, CA 94520 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 5.20% |
| MGIS3 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.84% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 213 | $887K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 206 | $78K |
| Vision | EYEMED VISION CARE | 283 | $25K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $21K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $21K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.