| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P.O. BOX 62949 ATTN WEST VIRGINIA BEACH, VA 23466 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $208K | $0 | $208K | 9.96% |
| 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 | $24K | $8K | $32K | 18.49% |
| 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 | $7K | $2K | $9K | 18.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Other services; Other fees; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2.0M |
| WORD & BROWN EIN 95-3161239 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $1.3M |
| CLARITY BENEFIT SOLUTIONS, INC. EIN 22-3205534 NONE | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | — | $519K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Contract Administrator Service code 13 | — | $238K |
| USI INSURANCE SERVICES LLC EIN 13-3771734 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 14 | — | $189K |
| DELOITTE CONSULTING LLP EIN 13-5133500 NONE | Consulting (general); Actuarial Service code 11 | — | $171K |
| ROGERS BENEFIT GROUP, INC. EIN 41-1596522 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $165K |
| SEQUOIA BENEFITS AND INSURANCE SERV EIN 94-3397213 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $122K |
| 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 | $94K |
| KEVIN A. ROBERTS NONE | Insurance agents and brokers Service code 22 | 3658 MOSSWOOD DRIVE LAFAYETTE, CA 94549 | $84K |
| MUFG UNION BANK, N.A. EIN 94-0304288 NONE | Custodial (securities); Account maintenance fees Service code 19 | — | $79K |
| ARMANINO LLP EIN 94-6214841 NONE | Accounting (including auditing) Service code 10 | — | $67K |
| MICHAEL B. KELLY INSURANCE SERVICES EIN 30-0540100 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $58K |
| CRAIG TOMPKINS NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 969-G EDGEWATER BLVD #762 FOSTER CITY, CA 94404 | $57K |
| RON FILICE ENTERPRISES, INC. EIN 77-0261203 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $56K |
| HUB INTERNATIONAL INSURANCE SERVICE EIN 33-0315047 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $48K |
| MARSH USA EIN 36-1436000 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $48K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Contract Administrator Service code 13 | — | $48K |
| MCLERAN MARKETING, LLC EIN 47-1793819 NONE | Other services Service code 49 | — | $44K |
| CHRISTOPHER J. FLETCHER NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | P. O. BOX 2828 EAST SETAUKET, NY 11733 | $42K |
| MANIACI INSURANCE SERVICES, INC. EIN 95-3562557 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $39K |
| BSWIFT, LLC EIN 36-4391310 NONE | Contract Administrator Service code 13 | — | $38K |
| AMWINS CONNECT INSURANCE SERVICES, EIN 94-2757978 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $35K |
| STRATEGIC ASSET ALLIANCE EIN 91-1629027 NONE | Investment advisory (plan) Service code 27 | — | $35K |
| SUN LIFE CAPITAL MANAGEMENT (U.S.) EIN 04-3401283 NONE | Investment management fees paid directly by plan; Investment advisory (plan); Investment management Service code 27 | — | $35K |
| SHAW AND PARTNERS LLC EIN 82-3952741 NONE | Other services Service code 49 | — | $35K |
| HOVER INSURANCE SERVICES, INC. EIN 77-0096773 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $34K |
| LEAVITT CENTRAL COAST INSURANCE SER EIN 26-3895931 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $31K |
| EBIX, INC. EIN 77-0021975 NONE | Other fees Service code 99 | — | $30K |
| GALLAGHER BENEFIT SERVICES, INC. EIN 36-4291971 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $30K |
| JAMES G. PARKER INSURANCE ASSOCIATE EIN 94-2494444 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $26K |
| ALLIED WEALTH MANAGEMENT LLC EIN 47-4837341 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $23K |
| PIGOTT FINANCIAL CORPORATION EIN 47-2791334 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $23K |
| EXPERTQUOTE, INC. EIN 25-1914881 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $22K |
| RIGHT SIZE SOLUTIONS, INC. EIN 26-4067765 NONE | Other services Service code 49 | — | $21K |
| THE MCSHERRY GROUP LLC EIN 83-2690791 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $19K |
| INTERWEST INSURANCE SERVICES, LLC EIN 68-0266090 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $18K |
| MERCER (US) INC. EIN 13-2834414 NONE | Consulting (general); Consulting fees Service code 16 | — | $18K |
| CBA PREMIER INSURANCE SOLUTIONS, IN EIN 46-1097216 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $17K |
| UNITEDAG (CASEHP-CA SMALL EMPLOYER EIN 33-0835612 NONE | Consulting (general) Service code 16 | — | $15K |
| MAROEVICH, O'SHEA & COGHLAN INSURAN EIN 94-2632373 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $14K |
| KAREN PREISSER NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | PO BOX 98 SHASTA, CA 96087 | $14K |
| ACRISURE OF CALIFORNIA EIN 38-3942950 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $13K |
| PATRIOT GROWTH INSURANCE SERVICES, EIN 83-1204744 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $13K |
| WEAVER MCGRATH LLP EIN 46-1198340 NONE | Legal Service code 29 | — | $12K |
| JAFFE-SCHLOSSBERG, INC. EIN 94-2187558 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $12K |
| JWCIB, INC. EIN 33-0515081 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $11K |
| ALLIANT INSURANCE SERVICES, INC. EIN 47-9723395 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $11K |
| CENTERSTONE INSURANCE & FINANCIAL S EIN 95-4018229 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $10K |
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 | 5,855 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,938 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 6,902 | $4.1M |
| Dental | DELTA CARE USA | 11 | $4K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 359 | $49K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 494 | $175K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 6,902 | $2.1M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 359 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,902 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.