| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 1465 N MCDOWELL BLVD SUITE 180 PETALUMA, CA 94954 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | $2K | $26K | 10.92% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC. | 8777 NORTH GAINEY CENTER DRIVE SUITE 26 SCOTTSDALE, AZ 85258 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 3.27% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.29% |
| VOLUNTARY BENEFITS SPECIALISTS LLC3 | 289 FARRIS AVENUE LAS VEGAS, NV 89183 | TRANSAMERICA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 34.60% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 230 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $242K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $242K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $242K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 95 | $67K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $242K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 230 | $1.3M |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
No prospect flags tripped on this filing.