| 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 | $35K | $19K | $53K | 23.19% |
| 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 | $9K | $5K | $13K | 23.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-4331852 CONTRACT ADMINISTRATOR | Float revenue; Contract Administrator; Other fees; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.7M |
| WORD & BROWN EIN 95-3161239 BROKER | Insurance agents and brokers Service code 22 | — | $1.3M |
| USI INSURANCE SERVICES LLC EIN 13-3771734 CONTRACT ADMINISTRATOR | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | — | $771K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $210K |
| KEVIN A. ROBERTS BROKER | Insurance agents and brokers Service code 22 | 3658 MOSSWOOD DRIVE LAFAYETTE, CA 94549 | $149K |
| CONSUMERMEDICAL EIN 04-3367006 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $143K |
| DELOITTE CONSULTING LLP EIN 13-5133500 ACTUARY | Consulting (general); Actuarial Service code 11 | — | $139K |
| HOVER INSURANCE SERVICES, INC. EIN 77-0096773 BROKER | Insurance agents and brokers Service code 22 | — | $119K |
| DELTA DENTAL EIN 94-1461312 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $106K |
| CHRISTINE SIMMONS BROKER | Insurance agents and brokers Service code 22 | PO BOX 8052 NEWPORT BEACH, CA 92658 | $94K |
| CALCPA EIN 94-1056137 PLAN SPONSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $88K |
| MERCER EIN 13-2834414 BROKER | Insurance agents and brokers Service code 22 | — | $86K |
| LISI, INC. EIN 94-2757978 BROKER | Insurance agents and brokers Service code 22 | — | $78K |
| MUFG UNION BANK, N.A. EIN 94-0304288 INVESTMENT ADVISOR | Investment management fees paid indirectly by plan; Account maintenance fees Service code 52 | — | $69K |
| ARMANINO LLP EIN 94-6214841 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $66K |
| USI INS SERVICES LLC | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | — | $52K |
| VISION SERVICE PLAN EIN 94-1632821 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $50K |
| ALEC ABBOTT EIN 03-3428814 BROKER | Insurance agents and brokers Service code 22 | — | $50K |
| JASON PERKINS EIN 54-8915205 BROKER | Insurance agents and brokers Service code 22 | — | $50K |
| MARSH USA EIN 36-1436000 BROKER | Insurance agents and brokers Service code 22 | — | $46K |
| RSC INSURANCE BROKERAGE, INC EIN 16-1689464 BROKER | Insurance agents and brokers Service code 22 | — | $44K |
| CHRISTOPHER J. FLETCHER BROKER | Insurance agents and brokers Service code 22 | 45 RESEARCH WAY SUITE 106 EAST SETAUKET, NY 11733 | $43K |
| 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 | — | $38K |
| STRATEGIC ASSET ALLIANCE EIN 91-1629027 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | — | $35K |
| PRIME ADVISORS, INC. EIN 91-1435190 INVESTMENT ADVISOR | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $33K |
| EBIX, INC. EIN 77-0021975 NONE | Other fees Service code 99 | — | $30K |
| BSWIFT, LLC EIN 36-4391310 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $30K |
| KEY INSURANCE & BENEFITS SERV INC EIN 16-0976844 BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $24K |
| DIGITAL INSURANCE, INC. EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | $19K |
| HUB INTERNATIONAL INSURANCE SERVICE EIN 33-0315047 BROKER | Insurance agents and brokers Service code 22 | — | $17K |
| STEVEN DRISS INSURANCE AGENCY INC. EIN 27-1239865 BROKER | Insurance agents and brokers Service code 22 | — | $16K |
| PIGOTT FINANCIAL CORPORATION EIN 47-2791334 BROKER | Insurance agents and brokers Service code 22 | — | $16K |
| KAREN PREISSER BROKER | Insurance agents and brokers Service code 22 | PO BOX 98 SHASTA, CA 96087 | $12K |
| MORRIS & GARRITANO INSURANCE AGENCY EIN 95-2304670 BROKER | Insurance agents and brokers Service code 22 | — | $12K |
| ALLIANT INSURANCE SERVICES, INC. EIN 47-9723395 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| UNITEDAG, CASEHP-CA SMALL EMPLOYER EIN 33-0835612 NONE | Consulting (general) Service code 16 | — | $11K |
| RALEIGH HEDMAN INSURANCE SERVICES, EIN 95-4782674 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| PARTNERS INSURANCE SERVICES EIN 20-4374993 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| RIGHT SIZE SOLUTIONS, INC. EIN 26-4067765 NONE | Other services Service code 49 | — | $9K |
| GALLAGHER BENEFIT SERVICES, INC. EIN 36-4291971 BROKER | Insurance agents and brokers Service code 22 | — | $9K |
| EATON VANCE MANAGEMENT EIN 04-3101341 INVESTMENT ADVISOR | Investment management fees paid indirectly by plan Service code 52 | — | $8K |
| ASSUREDPARTNERS CAPITAL, INC. EIN 45-2712335 BROKER | Insurance agents and brokers Service code 22 | — | $8K |
| ROGERS VENTURES, INC. EIN 46-1988419 BROKER | Insurance agents and brokers Service code 22 | — | $8K |
| BUCKMAN MITCHELL, INC. EIN 77-0261421 BROKER | Insurance agents and brokers Service code 22 | — | $7K |
| HALL, MAHAR & ASSOCIATES INSURANCE EIN 33-0409844 BROKER | Insurance agents and brokers Service code 22 | — | $7K |
| JWCIB, INC. EIN 33-0515081 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
| JOHNSON & DUGAN INSURANCE SERVICES EIN 94-2917627 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
| JOHN T. MENOLD BROKER | Insurance agents and brokers Service code 22 | 60 W. ALISAL STREET SUITE 16 SALINA, CA 93901 | $6K |
| ONE BENEFIT SOURCE, LLC EIN 46-3518253 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
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 | 6,082 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 105 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 232 | $2.0M |
| Dental | DELTA CARE USA | 10 | $6K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 369 | $58K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 525 | $230K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 6,835 | $1.5M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 369 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,835 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.