| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED ESTATE & INS. SERVICES INC3 | 306 6TH AVE STE B SAN MATEO, CA 94401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $86K | — | $86K | 5.00% |
| ADVANCED ESTATE & INS. SERVICES INC3 | 306 6TH AVE STE B SAN MATEO, CA 94401 | STANDARD INSURANCE COMPANY | $13K | $431 | $14K | 10.32% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| ADVANCED ESTATE & INS. SERVICES INC3 | 306 6TH AVE STE B SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 4.73% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC (GA) | 500 YGNACIO VALLEY RD STE 450 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 1.71% |
| ADVANCED ESTATE & INS. SERVICES INC3 | 306 6TH AVE STE B SAN MATEO, CA 94401 | STANDARD INSURANCE COMPANY | $7K | $397 | $7K | 10.59% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| ADVANCED ESTATE & INS. SERVICES INC3 | 306 6TH AVE STE B SAN MATEO, CA 94401 | STANDARD INSURANCE COMPANY | $3K | $84 | $3K | 10.31% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| ADVANCED ESTATE & INS. SERVICES INC3 | 306 6TH AVE STE B SAN MATEO, CA 94401 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.00% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 179 | $1.8M |
| Dental | STANDARD INSURANCE COMPANY | 147 | $133K |
| Vision | STANDARD INSURANCE COMPANY | 291 | $27K |
| Life insurance | STANDARD INSURANCE COMPANY | 189 | $24K |
| Long-term disability | STANDARD INSURANCE COMPANY | 103 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.