| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC Filed as: NONSTOP ADMINISTRATION AND INSURANC | 2300 CLAYTON ROAD STE 1450 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN INC | $85K | — | $85K | 4.30% |
| ALAN FONG INSURANCE SERVICES Filed as: ALAN FONG INSURANCE SERVICES INC. | 2033 N MAIN STE STE 700 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $191 | — | $191 | 0.01% |
| M3 INSURANCE SOLUTIONS INC Filed as: NONSTOP ADMINISTRATION AND INSURANC | 2300 CLAYTON ROAD SUITE 1450 CONCORD, CA 94520 | BLUE CROSS OF CALIFORNIA G0200 | $30K | — | $30K | 3.97% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMINI & INS SVCS INC. | 2300 CLAYTON ROAD STE 1450 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMIN & INS SVCS INC. | 2300 CLAYTON ROAD STE 1450 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
No Schedule C service providers reported on this filing.
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 | 676 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 676 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 461 | $2.7M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 310 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 317 | $92K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 461 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.