| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SVCS INC. | 1215 MANOR DRIVE, STE. 200 MECHANICSBURG, PA 17055 | BLUE CROSS OF CALIFORNIA | $48K | $0 | $48K | 1.81% |
| 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 | $28K | $11K | $38K | 13.13% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | P. O. BOX 29675 PHOENIX, AZ 850389675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $1K | $17K | 5.97% |
| 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 | $3K | $9K | 13.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | P. O. BOX 29675 PHOENIX, AZ 850389675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $302 | $4K | 5.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-4331852 CONTRACT ADMINISTRATOR | Other fees; Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $1.6M |
| WORD & BROWN EIN 95-3161239 BROKER | Insurance agents and brokers Service code 22 | — | $1.4M |
| KEY INSURANCE & BENEFITS SERVICES EIN 16-0976844 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 14 | — | $729K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $257K |
| DELOITTE CONSULTING LLP EIN 13-5133500 ACTUARY | Consulting (general); Actuarial Service code 11 | — | $165K |
| DELTA DENTAL EIN 94-1461312 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $126K |
| 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 | — | $87K |
| KEVIN A. ROBERTS BROKER | Insurance agents and brokers Service code 22 | 3658 MOSSWOOD DRIVE LAFAYETTE, CA 94549 | $81K |
| CONSUMERMEDICAL EIN 04-3367006 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $78K |
| UNION BANK EIN 94-1234979 NONE | Account maintenance fees Service code 65 | — | $77K |
| MERCER EIN 13-2834414 BROKER | Insurance agents and brokers Service code 22 | — | $57K |
| VISION SERVICE PLAN EIN 94-1632821 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $55K |
| ARMANINO LLP EIN 94-6214841 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $54K |
| LISI, INC. EIN 94-2757978 BROKER | Insurance agents and brokers Service code 22 | — | $50K |
| MCLERAN MARKETING, LLC EIN 47-1793819 NONE | Other fees Service code 99 | — | $44K |
| STRATEGIC ASSET ALLIANCE EIN 91-1629027 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | — | $36K |
| PREMIER BENEFIT RESOURCES EIN 68-0426989 BROKER | Insurance agents and brokers Service code 22 | — | $36K |
| ALEC ABBOTT EIN 03-3428814 BROKER | Insurance agents and brokers Service code 22 | — | $33K |
| JASON PERKINS EIN 54-8915205 BROKER | Insurance agents and brokers Service code 22 | — | $33K |
| BSWIFT EIN 36-4391310 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $30K |
| EBIX, INC. EIN 77-0021975 NONE | Other fees Service code 99 | — | $28K |
| MANIACI INSURANCE SERVICES, INC. EIN 95-3562557 BROKER | Insurance agents and brokers Service code 22 | — | $27K |
| MACCORKLE INSURANCE SERVICES EIN 94-2708394 BROKER | Insurance agents and brokers Service code 22 | — | $25K |
| THE LYNN COMPANY EIN 95-2695182 BROKER | Insurance agents and brokers Service code 22 | — | $20K |
| CASEHP (CA SMALL EMPLOYER HEALTH PL NONE | Consulting (general) Service code 16 | C/O UNITED AGRIBUSINESS LEAGUE 54 CORPORATE PARK IRVINCE, CA 92606 | $15K |
| RSC INSURANCE BROKERAGE, INC. EIN 16-1689464 BROKER | Insurance agents and brokers Service code 22 | — | $14K |
| VANGUARD EIN 23-1945930 INVESTMENT MANAGER | Investment management fees paid indirectly by plan Service code 52 | — | $13K |
| ALLIANT INSURANCE SERVICES, INC. EIN 47-9723395 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| RALEIGH HEDMAN INS SERVICES INC. EIN 95-4782674 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| DIGITAL INSURANCE, INC. EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| JOHN T MENOLD BROKER | Insurance agents and brokers Service code 22 | 60 W. ALISAL STREET, STE. 16 SALINAS, CA 93901 | $9K |
| BUCKMAN MITCHELL, INC. EIN 77-0261421 BROKER | Insurance agents and brokers Service code 22 | — | $7K |
| KAREN PREISSER BROKER | Insurance agents and brokers Service code 22 | PO BOX 98 SHASTA, CA 96087 | $7K |
| MORRIS & GARRITANO INSURANCE AGENCY EIN 95-2304670 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
| HALL, MAHAR & ASSOC INS SVCS, INC. EIN 33-0409844 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
| VANGAURD BROKERAGE SERVICES EIN 23-2019846 INVESTMENT MANAGER | Investment management fees paid indirectly by plan Service code 52 | — | $6K |
| SHEPPARD MULLIN RICHTER & HAMPTON L EIN 95-1463164 ATTORNEY | Legal Service code 29 | — | $6K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 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 | 6,040 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 77 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 6,330 | $2.6M |
| Dental | DELTA CARE USA | 14 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 364 | $69K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 676 | $290K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF CALIFORNIA | 6,330 | $2.6M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 364 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,330 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.