| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC Filed as: NONSTOP ADMINISTRATION AND INSURANC | 2300 CLAYTON RD SUITE 1450 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN INC. | $52K | — | $52K | 3.66% |
| M3 INSURANCE SOLUTIONS INC Filed as: NONSTOP ADMINISTRATION AND INSURANC | 2300 CLAYTON ROAD, SUITE 1450 CONCORD, CA 94520 | BLUE CROSS OF CALIFORNIA (G0200) | $32K | — | $32K | 4.35% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 2300 CLAYTON RD STE 1450 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 2300 CLAYTON RD STE 1450 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYER ADMINSTRATIVE SERVICE CO EIN 94-2356207 | Claims processing Service code 12 | 2455 BENNETT VALLEY ROAD SUITE B303 SANTA ROSA, CA 95404 | $27K |
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 | 463 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 346 | $2.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 300 | $9K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 306 | $76K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 346 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.