| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 | C/O BANYAN CONSULTING 1215 MANOR DRIVE, STE. 200 MECHANICSBURG, PA 17055 | HM LIFE INSURANCE COMPANY | $64K | $0 | $64K | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES, INC. | 7272 E. INDIAN SCHOOL ROAD, STE 220 SCOTTSDALE, AZ 85251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $25K | $56K | 27.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SERVICES, INC. | 7272 E. INDIAN SCHOOL ROAD, STE 220 SCOTTSDALE, AZ 85251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $6K | $13K | 27.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-4331852 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 12 | — | $1.7M |
| WORD & BROWN EIN 95-3161239 BROKER | Insurance agents and brokers Service code 22 | — | $1.4M |
| KEY INSURANCE & BENEFITS SERVICES EIN 16-0976844 CONTRACT ADMINISTRATOR | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | — | $669K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $240K |
| DELOITTE CONSULTING LLP EIN 13-5133500 ACTUARY | Consulting (general); Actuarial Service code 11 | — | $188K |
| DELTA DENTAL EIN 94-1461312 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $138K |
| CHRISTINE SIMMONS BROKER | Insurance agents and brokers Service code 22 | PO BOX 8052 NEWPORT BEACH, CA 92658 | $89K |
| CALCPA EIN 94-1056137 PLAN SPONSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $86K |
| ARMANINO LLP EIN 94-6214841 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $77K |
| UNION BANK EIN 94-1234979 NONE | Account maintenance fees Service code 65 | — | $76K |
| KEVIN A. ROBERTS BROKER | Insurance agents and brokers Service code 22 | 3658 MOSSWOOD DRIVE LAFAYETTE, CA 94549 | $71K |
| BARNEY & BARNEY EIN 33-0528783 BROKER | Insurance agents and brokers Service code 22 | — | $63K |
| BANYAN ADMINISTRATORS EIN 26-3870592 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 14 | — | $63K |
| VISION SERVICE PLAN EIN 94-1632821 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $54K |
| MERCER EIN 13-2834414 BROKER | Insurance agents and brokers Service code 22 | — | $54K |
| MCLERAN MARKETING, LLC EIN 47-1793819 NONE | Other fees Service code 99 | — | $46K |
| BERLA INVESTMENT CONSULTING EIN 57-2802871 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | — | $43K |
| LISI, INC. EIN 94-2757978 BROKER | Insurance agents and brokers Service code 22 | — | $38K |
| MACCORKLE INSURANCE SERVICES EIN 94-2708394 BROKER | Insurance agents and brokers Service code 22 | — | $31K |
| EBIX, INC. EIN 77-0021975 NONE | Other fees Service code 99 | — | $30K |
| ALEC ABBOTT EIN 03-3428814 BROKER | Insurance agents and brokers Service code 22 | — | $29K |
| JASON PERKINS EIN 54-8915205 BROKER | Insurance agents and brokers Service code 22 | — | $29K |
| BSWIFT EIN 38-3348145 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $29K |
| SHEPHERD & ASSOCIATES INSURANCE SER EIN 94-3208815 BROKER | Insurance agents and brokers Service code 22 | — | $28K |
| PREMIER BENEFIT RESOURCES EIN 68-0426989 BROKER | Insurance agents and brokers Service code 22 | — | $24K |
| STRATEGIC ASSET ALLIANCE EIN 91-1629027 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | — | $16K |
| CASEHP (CA SMALL EMPLOYER HEALTH PL NONE | Consulting (general) Service code 16 | C/O UNITED AGRIBUSINESS LEAGUE 54 CORPORATE PARK IRVINCE, CA 92606 | $15K |
| VANGUARD EIN 23-1945930 INVESTMENT MANAGER | Investment management fees paid indirectly by plan Service code 52 | — | $15K |
| ALLIANT INSURANCE SERVICES, INC. EIN 47-9723395 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| GALLAGHER BENEFIT SERVICES EIN 33-0738420 BROKER | Insurance agents and brokers Service code 22 | — | $8K |
| KAREN PREISSER BROKER | Insurance agents and brokers Service code 22 | PO BOX 98 SHASTA, CA 96087 | $8K |
| MANIACI INSURANCE SERVICES, INC. EIN 95-3562557 BROKER | Insurance agents and brokers Service code 22 | — | $8K |
| VANGAURD BROKERAGE SERVICES EIN 23-2019846 INVESTMENT MANAGER | Investment management fees paid indirectly by plan Service code 52 | — | $6K |
| DENTONS US LLP EIN 36-1796730 ATTORNEY | Legal Service code 29 | — | $6K |
| MORRIS & GARRITANO INSURANCE AGENCY EIN 95-2304670 BROKER | Insurance agents and brokers Service code 22 | — | $5K |
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 | 6,142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 82 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 193 | $1.4M |
| Dental | DELTA CARE USA | 16 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 376 | $49K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 691 | $205K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 3,538 | $1.6M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 376 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,538 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.