| 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 | $31K | $10K | $41K | 19.66% |
| 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 | $13K | 20.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Other fees; Contract Administrator; Claims processing; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2.0M |
| WORD & BROWN EIN 95-3161239 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $973K |
| CLARITY BENEFIT SOLUTIONS, INC. EIN 22-3205534 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 14 | — | $695K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Contract Administrator Service code 13 | — | $258K |
| SEQUOIA BENEFITS AND INSURANCE SERV EIN 94-3397213 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $230K |
| DELOITTE CONSULTING LLP EIN 13-5133500 NONE | Consulting (general); Actuarial Service code 11 | — | $190K |
| EMERSON ROGERS LLC EIN 13-3938007 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $146K |
| HUB INTERNATIONAL INSURANCE SERVICE EIN 33-0315047 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $145K |
| MARSH USA EIN 36-1436000 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $136K |
| DELTA DENTAL EIN 94-1461312 NONE | Contract Administrator Service code 13 | — | $113K |
| CHRISTINE SIMMONS NONE | Insurance agents and brokers Service code 22 | PO BOX 8052 NEWPORT BEACH, CA 92658 | $99K |
| ROGERS BENEFIT GROUP, INC. EIN 41-1596522 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $90K |
| ARMANINO LLP EIN 94-6214841 NONE | Accounting (including auditing) Service code 10 | — | $88K |
| SYMPHONY RISK SOLUTIONS INSURANCE S EIN 94-2632373 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $76K |
| PARTNERS INSURANCE SERVICES, INC. EIN 20-4374993 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $75K |
| CRAIG TOMPKINS NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 969-G EDGEWATER BLVD #762 FOSTER CITY, CA 94404 | $72K |
| PES BENEFITS EIN 83-2850400 NONE | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | — | $70K |
| GI GEORGE PARENT LP EIN 87-2917800 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $67K |
| ALLIANT INSURANCE SERVICES, INC. EIN 47-9723395 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $66K |
| INTERWEST INSURANCE SERVICES, LLC EIN 68-0266090 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $65K |
| HAAS PRINTING EIN 23-2004040 NONE | Other services Service code 49 | — | $55K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Contract Administrator Service code 13 | — | $49K |
| AMWINS CONNECT INSURANCE SERVICES, EIN 94-2757978 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $47K |
| KEVIN A. ROBERTS NONE | Insurance agents and brokers Service code 22 | 3658 MOSSWOOD DRIVE LAFAYETTE, CA 94549 | $47K |
| ONEDIGITAL TOPCO LLC EIN 85-3439612 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $45K |
| STRATEGIC ASSET ALLIANCE EIN 91-1629027 NONE | Investment advisory (plan) Service code 27 | — | $44K |
| JAMES G. PARKER INSURANCE ASSOCIATE EIN 94-2494444 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $39K |
| CALIFORNIA SOCIETY OF CERTIFIED PUB EIN 94-1056137 NONE | Other services Service code 49 | — | $38K |
| WILLIS TOWERS WATSON NORTHEAST, INC EIN 13-2695427 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $37K |
| HOVER INSURANCE SERVICES, INC. EIN 77-0096773 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $37K |
| MCLERAN MARKETING, LLC EIN 47-1793819 NONE | Other services Service code 49 | — | $36K |
| 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 | — | $34K |
| LASKY TRADE PRINTING EIN 26-1881127 NONE | Other services Service code 49 | — | $33K |
| USI INSURANCE SERVICES LLC EIN 13-3771734 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $31K |
| JAFFE-SCHLOSSBERG, INC. EIN 94-2187558 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $30K |
| PIGOTT FINANCIAL CORPORATION EIN 47-2791334 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $26K |
| VISORY, INC. EIN 45-4084048 NONE | Other services Service code 49 | — | $25K |
| RELATION INSURANCE SERVICES, INC. EIN 26-1441725 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $25K |
| ALLIED WEALTH MANAGEMENT LLC EIN 47-4837341 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $24K |
| LEAVITT CENTRAL COAST INSURANCE SER EIN 26-3895931 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $22K |
| A.M. BEST EIN 47-5271514 NONE | Other services Service code 49 | — | $22K |
| GALLAGHER BENEFIT SERVICES, INC. EIN 36-4291971 NONE | Consulting fees; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $21K |
| SEQUOIA EMPLOYEE BENEFITS & INSURAN EIN 47-3456034 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $21K |
| ACRISURE OF CALIFORNIA LLC EIN 38-3942950 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $20K |
| VITA INSURANCE ASSOCIATES, INC. EIN 94-2595918 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $20K |
| J.D. OSTDIEK INSURANCE SERVICES, IN EIN 82-3218905 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees 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 |
| JWCIB, INC. EIN 33-0515081 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $17K |
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 | 5,809 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,867 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 276 | $2.5M |
| Dental | DELTA CARE USA | 8 | $3K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 490 | $62K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 437 | $208K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 6,935 | $2.7M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 490 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,935 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.