| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMINISTRATION AND | INSURANCE SERVICES INC. 2300 CLAYTON ROAD SUITE 1450 CONCORD, CA 94520 | BLUE CROSS BLUE SHIELD OF ARIZONA | $58K | — | $58K | 4.63% |
| WINCLINE LLC3 | 2720 EAST CAMELBACK ROAD SUITE 275 PHOENIX, AZ 85016 | BLUE CROSS BLUE SHIELD OF ARIZONA | $5K | — | $5K | 0.41% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMINISTRATION AND | INSURANCE SERVICES INC. 1800 SUTTER STREET SUITE 730 CONCORD, CA 945202539 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.08% |
| WINCLINE LLC3 | 2720 EAST CAMELBACK ROAD SUITE 275 PHOENIX, AZ 850164341 | PRINCIPAL LIFE INSURANCE COMPANY | $672 | — | $672 | 0.57% |
| SCOTT CASTEEL3 | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $268 | $3K | 9.12% |
| WINCLINE LLC3 | 2720 EAST CAMELBACK ROAD SUITE 275 PHOENIX, AZ 85016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $533 | — | $533 | 1.76% |
| SCOTT CASTEEL3 | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $249 | $2K | 9.24% |
| WINCLINE LLC3 | 2720 EAST CAMELBACK ROAD SUITE 275 PHOENIX, AZ 85016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $437 | — | $437 | 1.77% |
| SCOTT CASTEEL3 | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $222 | $2K | 9.22% |
| WINCLINE LLC3 | 2720 EAST CAMELBACK ROAD SUITE 275 PHOENIX, AZ 85016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $414 | — | $414 | 1.69% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMINISTRATION AND | INSURANCE SERVICES, INC. 1800 SUTTER STREET SUITE 730 CONCORD, CA 945202539 | EMPLOYERS DENTAL SERVICES | $498 | — | $498 | 6.70% |
| WINCLINE LLC3 | 2720 EAST CAMELBACK ROAD SUITE 275 PHOENIX, AZ 850164341 | EMPLOYERS DENTAL SERVICES | $113 | — | $113 | 1.52% |
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 | 180 | $1.2M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 279 | $126K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 279 | $1.4M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $25K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 279 | $143K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $30K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 180 | $1.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.