| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHIH C. HUANG3 Filed as: SHIH HUANG | 1660 SOUTH AMPHLETT BOULEVARD SUITE 350 SAN MATEO, CA 94402 | BLUE CROSS OF CALIFORNIA | $62K | $0 | $62K | 4.09% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN. SVCS. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | $0 | $30K | $30K | 1.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | BLUE CROSS OF CALIFORNIA | $13K | $0 | $13K | 0.84% |
| SHIH C. HUANG3 Filed as: SHIH HUANG | 1660 SOUTH AMPHLETT BOULEVARD SUITE 350 SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN, INC. | $39K | $0 | $39K | 3.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH BRAND BOULEVARD SUITE 100 GLENDALE, CA 91203 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | $0 | $12K | 1.07% |
| SHIH C. HUANG3 Filed as: SHIH HUANG | 1660 SOUTH AMPHLETT BOULEVARD SUITE 350 SAN MATEO, CA 94402 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 2.23% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN. SVCS. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HUMANA INSURANCE COMPANY | $0 | $1K | $1K | 0.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH BRAND BOULEVARD SUITE 100 GLENDALE, CA 91203 | HUMANA INSURANCE COMPANY | $509 | $0 | $509 | 0.25% |
| SHIH C. HUANG3 Filed as: SHIH HUANG | 1660 SOUTH AMPHLETT BOULEVARD SUITE 350 SAN MATEO, CA 94402 | ANTHEM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN. SVCS. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | ANTHEM LIFE INSURANCE COMPANY | $4K | $23 | $4K | 3.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH BRAND BOULEVARD SUITE 100 GLENDALE, CA 91203 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.27% |
| SHIH C. HUANG3 Filed as: SHIH CHE HUANG | 1660 SOUTH AMPHLETT BOULEVARD SUITE 350 SAN MATEO, CA 94402 | VISION SERVICE PLAN | $2K | $0 | $2K | 8.00% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 154 | $2.6M |
| Dental | HUMANA INSURANCE COMPANY | 203 | $201K |
| Vision | VISION SERVICE PLAN | 198 | $27K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 229 | $99K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 229 | $99K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 229 | $99K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 154 | $2.6M |
| Other | ANTHEM LIFE INSURANCE COMPANY | 229 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.