| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYMPHONY RISK SOLUTIONS INS SERVICE3 Filed as: SYMPHONY RISK SOLUTIONS SVCS., INC. | 44 MONTGOMERY STREET SAN FRANCISCO, CA 94104 | AETNA LIFE INSURANCE COMPANY | $26K | $0 | $26K | 4.90% |
| SYMPHONY RISK SOLUTIONS, LLC3 Filed as: SYMPHONY RISK SOLUTIONS INSURANCE | 345 CALIFORNIA STREET, SUITE 1750 SAN FRANCISCO, CA 94104 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.33% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.06% |
| PINNACLE BROKERS3 Filed as: PINNACLE BROKERS INSURANCE | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | PRINCIPAL LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 68 | $534K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $81K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $81K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $81K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 68 | $534K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.