| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FINANCIAL SER | 4851 LBJ FREEWAY STE 100 DALLAS, TX 75244 | AETNA HEALTH, INC. | $36K | $0 | $36K | 2.72% |
| CIFS INC3 | 3435 WILSHIRE BLVD STE 3000 LOS ANGELES, CA 90010 | AETNA HEALTH, INC. | $25K | $0 | $25K | 1.90% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FINANCIAL SER | 4851 LBJ FREEWAY STE 100 DALLAS, TX 75244 | AETNA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 2.58% |
| CIFS INC3 | 3435 WILSHIRE BLVD STE 3000 LOS ANGELES, CA 90010 | AETNA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.56% |
| CIFS INC3 | 3435 WILSHIRE BLVD STE 3000 LOS ANGELES, CA 90010 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 5.60% |
| CIFS INC3 Filed as: CIFS, INC. | 3435 WILSHIRE BLVD STE 3000 LOS ANGELES, CA 90010 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | $0 | $3K | 3.00% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 460 | $470K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $191K |
| Vision | AETNA LIFE INSURANCE COMPANY | 460 | $332K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $191K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $191K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.