| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL BEVER3 Filed as: PAUL E BEVER | 334 STATE STREET STE 205 LOS ALTOS, CA 94022 | CIGNA HEALTH & LIFE INSURANCE CO | $71K | — | $71K | 15.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | CIGNA HEALTH & LIFE INSURANCE CO | — | $28K | $28K | 6.20% |
| PAUL BEVER3 | 334 STATE ST STE 205 LOS ALTOS, CA 94022 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $5K | $8K | 6.75% |
| PAUL BEVER3 | 334 STATE STREET SUITE 205 LOS ALTOS, CA 94022 | UNUM LIFE INS CO OF AMERICA | $7K | — | $7K | 13.10% |
| PAUL BEVER3 | 334 STATE ST STE 205 LOS ALTOS, CA 94022 | KAISER PERMANENTE | $1K | $1 | $1K | 3.20% |
| PAUL BEVER3 | 334 STATE ST STE 205 LOS ALTOS, CA 94022 | VSP | $1K | — | $1K | 5.07% |
| PAUL BEVER3 | 334 STATE STREET SUITE 205 LOS ALTOS, CA 94022 | UNUM LIFE INSURANCE CO OF AMERICA | $3K | — | $3K | 18.30% |
| PAUL BEVER3 | 334 STATE STREET SUITE 205 LOS ALTOS, CA 94022 | UNUM LIFE INSURANCE CO OF AMERICA | $5K | — | $5K | 60.00% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE CO | 106 | $503K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 289 | $121K |
| Vision | VSP | 120 | $25K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INS CO OF AMERICA | 128 | $72K |
| Short-term disability | UNUM LIFE INS CO OF AMERICA | 128 | $56K |
| Long-term disability | UNUM LIFE INS CO OF AMERICA | 128 | $56K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE CO | 106 | $503K |
| Other(4 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 289 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.