| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONSTOP ADMINISTRATION & INSURANCE3 | 1800 SUTTER STREET, #730 CONCORD, CA 945202539 | SUTTER HEALTH PLAN | $30K | — | $30K | 5.00% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 1800 SUTTER STREET, #730 CONCORD, CA 94520 | WESTERN HEALTH ADVANTAGE | $24K | — | $24K | 4.98% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 1800 SUTTER STREET, #730 CONCORD, CA 945202539 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 7.14% |
| SCOTT CASTEEL3 | 1450 W. JAMES WAY ANAHEIM, CA 92801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.00% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 1800 SUTTER STREET, #730 CONCORD, CA 94520 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $871 | — | $871 | 3.00% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | 455 N. CITY FRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 13.15% |
| SCOTT CASTEEL3 | 1450 W. JAMES WAY ANAHEIM, CA 92801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.50% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 1800 SUTTER STREET, #730 CONCORD, CA 94520 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.50% |
| SCOTT CASTEEL3 | 1450 W. JAMES WAY ANAHEIM, CA 92801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.50% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 1800 SUTTER STREET, #730 CONCORD, CA 94520 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $707 | — | $707 | 4.50% |
| SCOTT CASTEEL3 | 1450 W. JAMES WAY ANAHEIM, CA 92801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.50% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 1800 SUTTER STREET, #730 CONCORD, CA 94520 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $524 | — | $524 | 4.50% |
| SCOTT CASTEEL3 | 1450 W. JAMES WAY ANAHEIM, CA 92801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $263 | — | $263 | 6.99% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 1800 SUTTER STREET, #730 CONCORD, CA 94520 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $113 | — | $113 | 3.00% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 140 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 429 | $170K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 429 | $170K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 39 | $29K |
| Prescription drug | SUTTER HEALTH PLAN | 115 | $608K |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 429 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.