| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | $0 | $39K | $39K | 2.87% |
| THOMPSON RISK II, LLC3 | 2590 NORTHBROOKE PLAZA NAPLES, FL 34119 | BLUE CROSS OF CALIFORNIA | $33K | $0 | $33K | 2.47% |
| FUSCO & ORSINI INS. SVCS., INC.3 | 5095 MURPHY CANYON ROAD, SUITE 200 SAN DIEGO, CA 92123 | BLUE CROSS OF CALIFORNIA | $35 | $0 | $35 | 0.00% |
| THOMPSON RISK II, LLC3 | 2575 NORTHBROOKE PLAZA DRIVE SUITE 204 NAPLES, FL 34119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $2K | $30K | 16.01% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.30% |
| FUSCO & ORSINI INS. SVCS., INC.3 | 5095 MURPHY CANYON ROAD, SUITE 200 SAN DIEGO, CA 92123 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 0.00% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 0.00% |
| THOMPSON RISK II, LLC3 | 2590 NORTHBROOKE PLAZA DRIVE SUITE 205 NAPLES, FL 34119 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | $0 | $6K | 4.58% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 255 | $1.5M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 255 | $1.5M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $185K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $185K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $185K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $185K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 255 | $1.5M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.