| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET IRVINE, CA 92614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $65K | $5K | $71K | 33.60% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMINISTRATION | 2300 CLAYTON ROAD CONCORD, CA 94520 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | — | $28K | 13.25% |
| FILICE INSURANCE AGENCY3 | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $92 | $5 | $97 | 0.05% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $4K | $42K | 29.19% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMINISTRATORS | 2300 CLAYTON ROAD CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 11.28% |
| FILICE INSURANCE AGENCY3 | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41 | $2 | $43 | 0.03% |
| FILICE INSURANCE AGENCY3 | 738 N. FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | VISION SERVICE PLAN | $6K | — | $6K | 8.39% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMINISRATORS | 1800 SUTTER STREET CONCORD, CA 94520 | VISION SERVICE PLAN | $830 | — | $830 | 1.10% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMINISTRATION | 2300 CLAYTON ROAD CONCORD, CA 94520 | LANDMARK HEALTHPLAN | $3K | — | $3K | 10.00% |
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 | 668 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 925 | $6.1M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 625 | $641K |
| Vision | VISION SERVICE PLAN | 510 | $76K |
| Life insurance | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 436 | $210K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 436 | $210K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 925 | $6.1M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 670 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 925 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.