| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERV INC. | 1215 MANOR DRIVE, SUITE 200 MECHANICSBURG, PA 17055 | BLUE CROSS OF CALIFORNIA | $32K | $0 | $32K | 1.07% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | P. O. BOX 29675 PHOENIX, AZ 850389675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $16K | $53K | 21.51% |
| 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 | — | $1K | $1K | 0.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | P. O. BOX 29675 PHOENIX, AZ 850389675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $4K | $13K | 21.45% |
| 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 | — | $293 | $293 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-4331852 CONTRACT ADMINISTRATOR | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Other fees; Claims processing Service code 12 | — | $1.7M |
| WORD & BROWN EIN 95-3161239 BROKER | Insurance agents and brokers Service code 22 | — | $1.4M |
| USI INSURANCE SERVICES LLC EIN 13-3771734 CONTRACT ADMINISTRATOR | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | — | $411K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $226K |
| KEY INSURANCE & BENEFITS SERVICES EIN 16-0976844 CONTRACT ADMINISTRATOR | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | — | $224K |
| CONSUMERMEDICAL EIN 04-3367006 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $153K |
| DELOITTE CONSULTING LLP EIN 13-5133500 ACTUARY | Actuarial; Consulting (general) Service code 11 | — | $145K |
| DELTA DENTAL EIN 94-1461312 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $123K |
| CHRISTINE SIMMONS BROKER | Insurance agents and brokers Service code 22 | PO BOX 8052 NEWPORT BEACH, CA 92658 | $94K |
| HOVER INSURANCE SERVICES, INC. EIN 77-0096773 BROKER | Insurance agents and brokers Service code 22 | — | $93K |
| ARMANINO LLP EIN 94-6214841 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $82K |
| MERCER EIN 13-2834414 BROKER | Insurance agents and brokers Service code 22 | — | $77K |
| MUFG UNION BANK, N.A. EIN 94-0304288 NONE | Investment management fees paid indirectly by plan; Account maintenance fees Service code 52 | — | $76K |
| CALCPA EIN 94-1056137 PLAN SPONSOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $73K |
| KEVIN A. ROBERTS BROKER | Insurance agents and brokers Service code 22 | 3658 MOSSWOOD DRIVE LAFAYETTE, CA 94549 | $73K |
| LISI, INC. EIN 94-2757978 BROKER | Insurance agents and brokers Service code 22 | — | $69K |
| VISION SERVICE PLAN EIN 94-1632821 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $55K |
| RSC INSURANCE BROKERAGE, INC EIN 16-1689464 BROKER | Insurance agents and brokers Service code 22 | — | $46K |
| MCLERAN MARKETING, LLC EIN 47-1793819 NONE | Other fees Service code 99 | — | $40K |
| MANIACI INSURANCE SERVICES, INC. EIN 95-3562557 BROKER | Insurance agents and brokers Service code 22 | — | $40K |
| ALEC ABBOTT EIN 03-3428814 BROKER | Insurance agents and brokers Service code 22 | — | $39K |
| JASON PERKINS EIN 54-8915205 BROKER | Insurance agents and brokers Service code 22 | — | $39K |
| BSWIFT, LLC EIN 36-4391310 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $37K |
| STRATEGIC ASSET ALLIANCE EIN 91-1629027 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | — | $35K |
| EBIX, INC. EIN 77-0021975 NONE | Other fees Service code 99 | — | $33K |
| PRIME ADVISORS, INC. EIN 91-1435190 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | — | $29K |
| INSURANCE ASSIST, INC. EIN 86-1129283 BROKER | Insurance agents and brokers Service code 22 | — | $23K |
| SELWYN FISHER BROKER | Insurance agents and brokers Service code 22 | 24632 CALLE ARDILLA CALABASAS, CA 91302 | $20K |
| DOCTOR LAW GROUP EIN 82-0658836 ATTORNEY | Legal Service code 29 | — | $20K |
| UNITEDAG, CASEHP-CA SMALL EMPLOYER EIN 33-0835612 NONE | Consulting (general) Service code 16 | — | $20K |
| BUCKMAN MITCHELL, INC. EIN 77-0261421 BROKER | Insurance agents and brokers Service code 22 | — | $19K |
| DIGITAL INSURANCE, INC. EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | $17K |
| ALLIANT INSURANCE SERVICES, INC. EIN 47-9723395 BROKER | Insurance agents and brokers Service code 22 | — | $14K |
| RALEIGH HEDMAN INSURANCE SERVICES, EIN 95-4782674 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| KAREN PREISSER BROKER | Insurance agents and brokers Service code 22 | PO BOX 98 SHASTA, CA 96087 | $10K |
| DSR HEALTH LAW EIN 81-1708050 ATTORNEY | Legal Service code 29 | — | $10K |
| MORRIS & GARRITANO INSURANCE AGENCY EIN 95-2304670 BROKER | Insurance agents and brokers Service code 22 | — | $9K |
| JOHN T. MENOLD BROKER | Insurance agents and brokers Service code 22 | 60 W. ALISAL STREET SUITE 16 SALINA, CA 93901 | $8K |
| HALL, MAHAR & ASSOCIATES INSURANCE EIN 33-0409844 BROKER | Insurance agents and brokers Service code 22 | — | $8K |
| VANGUARD EIN 23-1945930 INVESTMENT ADVISOR | Investment management fees paid indirectly by plan Service code 52 | — | $8K |
| EATON VANCE MANAGEMENT EIN 04-3101341 INVESTMENT ADVISOR | Investment management fees paid indirectly by plan Service code 52 | — | $7K |
| KEITH HALE BROKER | Insurance agents and brokers Service code 22 | 2430 CAMINO RAMON SUITE 114 SAN RAMON, CA 94583 | $6K |
| BROOKS JUCHA AND ASSOCIATES INSURAN EIN 33-0190920 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
| AMERICAN COMPENSATION SERVICE EIN 94-1694215 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
| ISU - THE OLSON DUNCAN AGENCY EIN 95-3789951 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
| ANDERSON ROBINSON STARKEY, INC. EIN 68-0423843 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
| PREMIER BENEFIT RESOURCES EIN 68-0426989 BROKER | Insurance agents and brokers Service code 22 | — | $5K |
| HEALTHEQUITY, INC. EIN 52-2383166 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $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 | 5,896 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,997 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 6,396 | $3.0M |
| Dental | DELTA CARE USA | 12 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 369 | $58K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 637 | $245K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF CALIFORNIA | 6,396 | $3.0M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 369 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,396 | — |
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.
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.