| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NTH INSURANCE AGENCY INC.3 Filed as: THE NTH INSURANCE AGENCY, INC. | 10833 VALLEY VIEW STE 550 CYPRESS, CA 90630 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | $5K | $39K | $44K | 4.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN. SVCS. | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | $19K | $925 | $20K | 2.10% |
| NIXON BENEFITS3 | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | $939 | $7K | $8K | 0.87% |
| NTH INSURANCE AGENCY INC.3 Filed as: THE NTH INSURANCE AGENCY, INC. | 10833 VALLEY VIEW STE 550 CYPRESS, CA 90630 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | — | $6K | 4.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN. SVCS. | 12404 PARK CENTRAL DR SUITE #400S DALLAS, TX 75251 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 0.81% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, STE 1100 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN, INC. | $615 | — | $615 | 0.44% |
| NTH INSURANCE AGENCY INC.3 Filed as: THE NTH INSURANCE AGENCY, INC. | 10833 VALLEY VIEW STE 550 CYPRESS, CA 90630 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $1K | — | $1K | 12.48% |
| NIXON BENEFITS3 | 620 NEWPORT CENTER DRIVE, STE 1100 NEWPORT BEACH, CA 92660 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $205 | — | $205 | 2.51% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN. SVCS. | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $163 | — | $163 | 2.00% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 168 | $1.1M |
| Dental | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 168 | $938K |
| Vision | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 168 | $938K |
| Life insurance | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 127 | $8K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 168 | $1.1M |
| Other | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 127 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.