| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 2111 E HIGHLAND AVE SUITE B210 PHOENIX, AZ 85016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $9K | $36K | 20.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 2111 E HIGHLAND AVE SUITE B210 PHOENIX, AZ 85016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $3K | $14K | 20.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS LLC | P. O. BOX 29650 PHOENIX, AZ 85038 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $7K | 25.00% |
| HOVER INSURANCE SERVICES3 | 2455 BENNETT VALLEY RD SUITE B210 SANTA ROSA, CA 95404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS LLC | PO BOX 29650 PHOENIX, AZ 85038 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS LLC | P. O. BOX 29650 PHOENIX, AZ 85038 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $731 | $4K | 25.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS LLC | P. O. BOX 29650 PHOENIX, AZ 85038 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $533 | $3K | 25.00% |
| HOVER INSURANCE SERVICES3 | 2455 BENNETT VALLEY RD SUITE B210 SANTA ROSA, CA 95404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $747 | $0 | $747 | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $373 | $0 | $373 | 4.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS LLC | PO BOX 29650 PHOENIX, AZ 85038 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $373 | $373 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Float revenue Service code 12 | — | $2.1M |
| WORD & BROWN EIN 95-3161239 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $997K |
| PES BENEFITS EIN 83-2850400 NONE | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | — | $946K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Contract Administrator Service code 13 | — | $363K |
| SEQUOIA BENEFITS AND INSURANCE SERV EIN 94-3397213 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $229K |
| EMERSON ROGERS LLC EIN 13-3938007 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $228K |
| DELOITTE CONSULTING LLP EIN 13-5133500 NONE | Consulting (general); Actuarial Service code 11 | — | $188K |
| HUB INTERNATIONAL INSURANCE SERVICE EIN 33-0315047 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $183K |
| USI INSURANCE SERVICES LLC EIN 13-3771734 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $127K |
| DELTA DENTAL EIN 94-1461312 NONE | Contract Administrator Service code 13 | — | $121K |
| MARSH USA EIN 36-1436000 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $108K |
| CHRISTINE SIMMONS NONE | Insurance agents and brokers Service code 22 | PO BOX 8052 NEWPORT BEACH, CA 92658 | $95K |
| CRAIG TOMPKINS NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 969-G EDGEWATER BLVD #762 FOSTER CITY, CA 94404 | $87K |
| ARMANINO LLP EIN 33-2514127 NONE | Accounting (including auditing) Service code 10 | — | $84K |
| PARTNERS INSURANCE SERVICES, INC. EIN 20-4374993 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $83K |
| GI GEORGE PARENT LP EIN 87-2917800 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $74K |
| KEVIN A. ROBERTS NONE | Insurance agents and brokers Service code 22 | 3658 MOSSWOOD DRIVE LAFAYETTE, CA 94549 | $72K |
| ALLIANT INSURANCE SERVICES, INC. EIN 47-9723395 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $71K |
| WILLIS TOWERS WATSON NORTHEAST, INC EIN 13-2695427 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $54K |
| INTERWEST INSURANCE SERVICES, LLC EIN 68-0266090 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $52K |
| MCLERAN MARKETING, LLC EIN 47-1793819 NONE | Other services Service code 49 | — | $48K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Contract Administrator Service code 13 | — | $47K |
| HAAS PRINTING EIN 23-2004040 NONE | Other services Service code 49 | — | $46K |
| STRATEGIC ASSET ALLIANCE EIN 91-1629027 NONE | Investment advisory (plan) Service code 27 | — | $44K |
| AMWINS CONNECT INSURANCE SERVICES, EIN 94-2757978 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $43K |
| HOVER INSURANCE SERVICES, INC. EIN 77-0096773 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $42K |
| JAMES G. PARKER INSURANCE ASSOCIATE EIN 94-2494444 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $39K |
| GRANITE PROFESSIONAL INSURANCE BROK EIN 94-3292432 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $39K |
| JOHNSON LAMBERT LLP EIN 52-1446779 NONE | Accounting (including auditing) Service code 10 | — | $38K |
| CALIFORNIA SOCIETY OF CERTIFIED PUB EIN 94-1056137 NONE | Other services Service code 49 | — | $35K |
| SUN LIFE CAPITAL MANAGEMENT (U.S.) EIN 04-3401283 NONE | Investment management fees paid directly by plan; Investment management; Investment advisory (plan) Service code 27 | — | $35K |
| EBIX, INC. EIN 77-0021975 NONE | Other fees Service code 99 | — | $32K |
| GALLAGHER BENEFIT SERVICES, INC. EIN 36-4291971 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Consulting fees Service code 22 | — | $29K |
| ACRISURE PARTNERS WEST COAST INSURA EIN 88-4364470 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $29K |
| ALLIED WEALTH MANAGEMENT LLC EIN 47-4837341 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $27K |
| RELATION INSURANCE SERVICES, INC. EIN 26-1441725 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $27K |
| VISORY, INC. EIN 45-4084048 NONE | Other services Service code 49 | — | $26K |
| J.D. OSTDIEK INSURANCE SERVICES, IN EIN 82-3218905 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $25K |
| LASKY TRADE PRINTING EIN 26-1881127 NONE | Other services Service code 49 | — | $25K |
| PIGOTT FINANCIAL CORPORATION EIN 47-2791334 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $25K |
| JAFFE-SCHLOSSBERG, INC. EIN 94-2187558 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $24K |
| JPMORGAN CHASE NA EIN 13-4994650 NONE | Account maintenance fees Service code 65 | — | $24K |
| A.M. BEST EIN 47-5271514 NONE | Other services Service code 49 | — | $23K |
| ONEDIGITAL TOPCO LLC EIN 85-3439612 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $23K |
| VITA INSURANCE ASSOCIATES, INC. EIN 94-2595918 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $19K |
| HEATH WITHROW EIN 81-1885817 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $19K |
| CENTERSTONE INSURANCE & FINANCIAL S EIN 95-4018229 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $19K |
| VENBROOK INSURANCE SERVICES EIN 01-0709538 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $18K |
| UNITEDAG (CASEHP-CA SMALL EMPLOYER EIN 33-0835612 NONE | Consulting (general) Service code 16 | — | $18K |
| MICHAEL B. KELLY INSURANCE SERVICES EIN 30-0540100 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $15K |
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 | 5,823 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,902 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 286 | $3.4M |
| Dental | DELTA CARE USA | 6 | $2K |
| Life insurance(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 472 | $102K |
| Long-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 444 | $234K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 7,154 | $3.1M |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 472 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,154 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.