| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED ESTATE & INS. SERVICES INC Filed as: ADVANCED ESTATE & INS SERVICES, INC | 306 6TH AVE, STE B SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN, INC. | $48K | — | $48K | 5.50% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS. & FIN SVC LLC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INS. CO. AND AFFILIATES | $20K | $10K | $30K | 15.15% |
| ADVANCED ESTATE & INS. SERVICES INC Filed as: ADVANCED ESTATE & INS SERVICES, INC | 306 6TH AVE, STE B SAN MATEO, CA 94401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 10.00% |
| BENEFITMALL | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 5.00% |
| CALVO'S INSURANCE UNDERWRITERS, INC | PO BOX FJ HAGATNA, GU 96932 | CALVO'S SELECTCARE INSURANCE, INC. | $0 | $0 | $0 | 0.00% |
| ADVANCED ESTATE & INS. SERVICES INC Filed as: ADVANCED ESTATE & INS SERVICES, INC | 306 6TH AVE, STE B SAN MATEO, CA 94401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| BENEFITMALL | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 5.00% |
| ADVANCED ESTATE & INS. SERVICES INC Filed as: ADVANCED ESTATE & INS SERVICES, INC | 306 6TH AVE, STE B SAN MATEO, CA 94401 | VISION SERVICE PLAN | $894 | — | $894 | 6.38% |
| ASSUREDPARTNERS Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | VISION SERVICE PLAN | — | $842 | $842 | 6.00% |
| ADVANCED ESTATE & INS. SERVICES INC Filed as: ADVANCED ESTATE & INS SERVICES, INC | 306 6TH AVE, STE B SAN MATEO, CA 94401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $816 | — | $816 | 10.00% |
| BENEFITMALL | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $408 | $408 | 5.00% |
| ADVANCED ESTATE & INS. SERVICES INC Filed as: ADVANCED ESTATE & INS SERVICES, INC | 306 6TH AVE, STE B SAN MATEO, CA 94401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $585 | — | $585 | 10.01% |
| BENEFITMALL | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $292 | $292 | 4.99% |
| ADVANCED ESTATE & INS. SERVICES INC Filed as: ADVANCED ESTATE & INS SERVICES, INC | 306 6TH AVE, STE B SAN MATEO, CA 94401 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $561 | — | $561 | 9.99% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS & FIN SVC LLC | 12405 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $0 | $281 | $281 | 5.01% |
| ADVANCED ESTATE & INS. SERVICES INC Filed as: ADVANCED ESTATE & INS SERVICES, INC | 306 6TH AVE, STE B SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN, INC. | $24 | $0 | $24 | 3.56% |
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 | 273 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 125 | $1.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INS. CO. AND AFFILIATES | 192 | $202K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INS. CO. AND AFFILIATES | 192 | $211K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 273 | $87K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 63 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 273 | $29K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 25 | $200K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 273 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.