| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $43K | $43K | 2.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 0.07% |
| ADVANCED ESTATE & INS. SERVICES INC3 | 306 6TH AVE STE B SAN MATEO, CA 94401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $623 | — | $623 | 0.03% |
| ADVANCED ESTATE & INS. SERVICES INC3 | 306 6TH AVE STE B SAN MATEO, CA 94401 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 10.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DR SUITE 400S STE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 4.68% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INSURANCE SVCS | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 4.84% |
| 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 | 1.33% |
| ADVANCED ESTATE & INS. SERVICES INC3 | 306 6TH AVE STE B SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN INC | $126 | — | $126 | 0.10% |
| ADVANCED ESTATE & INS. SERVICES INC3 | 306 6TH AVE STE B SAN MATEO, CA 94401 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 8.93% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DR SUITE 400S STE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.39% |
| ADVANCED ESTATE & INS. SERVICES INC3 | 306 6TH AVE STE B SAN MATEO, CA 94401 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.40% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DR SUITE 400S STE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.75% |
| ADVANCED ESTATE & INS. SERVICES INC3 | 306 6TH AVE STE B SAN MATEO, CA 94401 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.80% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DR SUITE 400S STE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $657 | — | $657 | 3.02% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 150 | $2.3M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 133 | $164K |
| Vision(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 252 | $32K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 130 | $30K |
| Long-term disability | STANDARD INSURANCE COMPANY | 67 | $56K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 150 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.