| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONSTOP ADMINISTRATION & INSURANCE3 | 2300 CLAYTON ROAD SUITE 1450 CONCORD, CA 94520 | BLUE CROSS BLUE SHIELD OF ARIZONA | $58K | — | $58K | 4.55% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 1800 SUTTER STREET SUITE 730 CONCORD, CA 945202539 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 6.01% |
| NONSTOP ADMIN & INSURANCE SERVICES3 | 1800 SUTTER STREET SUITE 730 CONCORD, CA 95420 | EMPLOYERS DENTAL SERVICES | $470 | — | $470 | 7.99% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 181 | $1.3M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $136K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $130K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $130K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $130K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.