| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CDS INSURANCE SERVICES3 Filed as: CDS CORP | 2001 EAST FINANCIAL WAY, SUITE 200 GLENDORA, CA 91741 | BLUE CROSS OF CALIFORNIA | $155K | — | $155K | 3.12% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN. SVCS. | 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | — | $85K | $85K | 1.73% |
| CDS INSURANCE SERVICES3 Filed as: CDS CORP | 2001 EAST FINANCIAL WAY, SUITE 200 GLENDORA, CA 91741 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $9K | — | $9K | 3.12% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN. SVCS. | 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $5K | $5K | 1.73% |
| CDS INSURANCE SERVICES3 Filed as: CDS CORP | 2001 EAST FINANCIAL WAY, SUITE 200 GLENDORA, CA 91741 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 12.73% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN. SVCS. | 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 3.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMINISTRATO | 721 S PARKER #300 ORANGE, CA 92868 | VISION SERVICE PLAN | $3K | — | $3K | 5.01% |
| CDS INSURANCE SERVICES3 | 2001 E FINANCIAL WAY STE 200 GLENDORA, CA 91741 | VISION SERVICE PLAN | $2K | — | $2K | 3.49% |
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE SOLUTIONS INC | 21241 S. WESTERN AVE STE 200 TORRANCE, CA 90501 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.00% |
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 | 732 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 737 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 556 | $5.0M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 577 | $303K |
| Vision | VISION SERVICE PLAN | 343 | $56K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 732 | $171K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 732 | $171K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 556 | $4.9M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 732 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 732 | — |
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.