| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN B. MARVIN AGENCY, INC.3 Filed as: STEPHEN B MARVIN AGENCY INC | PO BOX 4370 LANCASTER, CA 93539 | BLUE CROSS OF CALIFORNIA | $1.2M | $0 | $1.2M | 4.22% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE, 400S DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | $0 | $494K | $494K | 1.69% |
| STEPHEN B. MARVIN AGENCY, INC.3 Filed as: STEPHEN B. MARVIN AGENCY INC. | PO BOX 4370 LANCASTER, CA 93539 | KAISER FOUNDATION HEALTH PLAN, INC. | $437K | $0 | $437K | 4.89% |
| STEPHEN B. MARVIN AGENCY, INC.3 Filed as: STEPHEN B. MARVIN INSURANCE AGENCY | 43700 17TH STREET WEST, SUITE 101 LANCASTER, CA 93534 | METROPOLITAN LIFE INSURANCE COMPANY | $262K | $49 | $262K | 7.39% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $35K | $52K | 1.46% |
| PLANSOURCE BENEFIT ADMINISTRATION5 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $32K | $32K | 0.91% |
| STEPHEN B. MARVIN AGENCY, INC.3 Filed as: STEPHEN B MARVIN AGENCY INC | 43700 17TH STREET WEST, SUITE 101 LANCASTER, CA 93534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $91K | $0 | $91K | 18.95% |
| STEPHEN B. MARVIN AGENCY, INC.3 Filed as: STEPHEN B MARVIN AGENCY INC | 43700 17TH STREET WEST, SUITE 101 LANCASTER, CA 93534 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | $0 | $50K | 15.03% |
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 | 2,230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 38 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 3,033 | $38.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,625 | $3.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,625 | $3.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,625 | $3.5M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,625 | $4.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,625 | $3.5M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 3,033 | $29.3M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,625 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,625 | — |
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.