| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR SUITE 400 DALLAS, TX 75251 | AETNA HEALTH, INC. | $48K | $0 | $48K | 2.67% |
| CIFS INC3 Filed as: CIFS, INC. | 3435 WILSHIRE BLVD., #3000 LOS ANGELES, CA 90010 | AETNA HEALTH, INC. | $20K | $0 | $20K | 1.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 3390 UNIVERSITY AVE SUITE 300 RIVERSIDE, CA 92501 | AETNA HEALTH, INC. | $18K | $0 | $18K | 1.01% |
| CIFS INC3 Filed as: CIFS, INC. | 3435 WILSHIRE BLVD., #3000 LOS ANGELES, CA 90010 | AETNA HEALTH, INC. | $13K | $0 | $13K | 0.73% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR SUITE 400 DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $19K | $0 | $19K | 2.71% |
| CIFS INC3 Filed as: CIFS, INC. | 3435 WILSHIRE BLVD., #3000 LOS ANGELES, CA 90010 | AETNA LIFE INSURANCE CO. | $9K | $0 | $9K | 1.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 3390 UNIVERSITY AVE SUITE 300 RIVERSIDE, CA 92501 | AETNA LIFE INSURANCE CO. | $8K | $0 | $8K | 1.13% |
| CIFS INC3 Filed as: CIFS, INC. | 3435 WILSHIRE BLVD., #3000 LOS ANGELES, CA 90010 | AETNA LIFE INSURANCE CO. | $6K | $0 | $6K | 0.84% |
| CIFS INC3 Filed as: CIFS, INC | 3435 WILSHIRE BLVD., #3000 LOS ANGELES, CA 90010 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | $0 | $5K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CALIFORNIA INS | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | $0 | $2K | 0.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR SUITE 400 DALLAS, TX 75251 | AMERITAS LIFE INSURANCE CORP. | $4K | $0 | $4K | 3.00% |
| CIFS INC3 Filed as: CIFS, INC. | 3435 WILSHIRE BLVD., #3000 LOS ANGELES, CA 90010 | AMERITAS LIFE INSURANCE CORP. | $4K | $0 | $4K | 2.75% |
| CHUN-HA INSURANCE SERVICES, INC.3 Filed as: CHUN HA INSURANCE SERVICE INC. | 9122 GARDEN GROVE BLVD. GARDEN GROVE, CA 92844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| CHUN-HA INSURANCE SERVICES, INC.3 Filed as: CHUN HA INSURANCE SERVICE INC. | 9122 GARDEN GROVE BLVD. GARDEN GROVE, CA 92844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 594 | $692K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 536 | $130K |
| Vision | AETNA LIFE INSURANCE CO. | 594 | $692K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $17K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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.