| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN B. MARVIN AGENCY, INC.3 | PO BOX 4370 LANCASTER, CA 93539 | BLUE CROSS OF CALIFORNIA | $1.4M | $0 | $1.4M | 4.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400 SOUTH DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | $0 | $551K | $551K | 2.00% |
| STEPHEN B. MARVIN AGENCY, INC.3 | PO BOX 4370 LANCASTER, CA 93539 | KAISER FOUNDATION HEALTH PLAN, INC. | $558K | $0 | $558K | 4.85% |
| STEPHEN B. MARVIN AGENCY, INC.3 Filed as: STEPHEN B. MARVIN INS AGENCY, INC. | 43700 17TH STREET WEST SUITE 101 LANCASTER, CA 93534 | METROPOLITAN LIFE INSURANCE COMPANY | $225K | $0 | $225K | 7.47% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 122 WEST PINE STREET SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $38K | $38K | 1.25% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 122 WEST PINE STREET SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.10% |
| STEPHEN B. MARVIN AGENCY, INC.3 | PO BOX 4370 LANCASTER, PA 93539 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $75K | $0 | $75K | 10.00% |
| STEPHEN B. MARVIN AGENCY, INC.3 | 43700 17TH STREET WEST SUITE 101 LANCASTER, CA 93534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $111K | $0 | $111K | 18.57% |
| STEPHEN B. MARVIN AGENCY, INC.3 | 43700 NORTH 17TH STREET WEST SUITE 101 LANCASTER, CA 93534 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | $0 | $47K | 14.92% |
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 | 2,348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 49 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 2,015 | $39.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,609 | $3.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,609 | $3.0M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,609 | $3.8M |
| Short-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,609 | $4.3M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,609 | $3.8M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 2,015 | $27.6M |
| Other(6 contracts, 6 carriers) | BLUE CROSS OF CALIFORNIA | 4,609 | $32.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,609 | — |
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.