| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED ESTATE & INS. SERVICES INC Filed as: ADVANCED ESTATE & INS SERVICES, INC | 306 6TH STREET, STE B SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN, INC. | $49K | — | $49K | 4.59% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS & FIN SVC LLC | 12404 PARK CENTRAL DRIVE, STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE CO AND AFFILIATES | — | $9K | $9K | 4.96% |
| ADVANCED ESTATE & INS. SERVICES INC Filed as: ADVANCED ESTATE & INS SERVICES, INC | 306 6TH STREET, STE B SAN MATEO, CA 94401 | LIFE INS COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS & FIN SVS LLC | 12404 PARK CENTRAL DRIVE, STE 400S DALLAS, TX 75251 | LIFE INS COMPANY OF NORTH AMERICA | — | $4K | $4K | 5.00% |
| ADVANCED ESTATE & INS. SERVICES INC Filed as: ADVANCED ESTATE & INS ADVISORS | 306 6TH STREET, STE B SAN MATEO, CA 94401 | LIFE INS COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS & FIN SVS LLC | 12404 PARK CENTRAL DRIVE, STE 400S DALLAS, TX 75251 | LIFE INS COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| ADVANCED ESTATE & INS. SERVICES INC Filed as: ADVANCED ESTATE & INS SERVICES, INC | 306 6TH STREET, STE B SAN MATEO, CA 94401 | LIFE INS COMPANY OF NORTH AMERICA | $701 | — | $701 | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS & FIN SVS LLC | 12404 PARK CENTRAL DRIVE, STE 400S DALLAS, TX 75251 | LIFE INS COMPANY OF NORTH AMERICA | — | $350 | $350 | 4.99% |
| ADVANCED ESTATE & INS. SERVICES INC Filed as: ADVANCED ESTATE & INS SERVICES, INC | 306 6TH STREET, STE B SAN MATEO, CA 94401 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC | $521 | — | $521 | 10.01% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS AND FIN SVC LLC | 12404 PARK CENTRAL DRIVE, STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC | — | $261 | $261 | 5.01% |
| ADVANCED ESTATE & INS. SERVICES INC Filed as: ADVANCED ESTATE & INS SERVICES, INC | 306 6TH STREET, STE B SAN MATEO, CA 94401 | LIFE INS COMPANY OF NORTH AMERICA | $511 | — | $511 | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS & FIN SVS LLC | 12404 PARK CENTRAL DRIVE, STE 400S DALLAS, TX 75251 | LIFE INS COMPANY OF NORTH AMERICA | — | $255 | $255 | 4.99% |
| ADVANCED ESTATE & INS. SERVICES INC Filed as: ADVANCED ESTATE & INS SERVICES, INC | 306 6TH STREET, STE B SAN MATEO, CA 94401 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $16 | — | $16 | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS & FIN SVC LLC | 12404 PARK CENTRAL DRIVE, STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | — | $8 | $8 | 5.00% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 125 | $1.2M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO AND AFFILIATES | 182 | $194K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE CO AND AFFILIATES | 182 | $189K |
| Life insurance | LIFE INS COMPANY OF NORTH AMERICA | 256 | $75K |
| Short-term disability | LIFE INS COMPANY OF NORTH AMERICA | 59 | $7K |
| Long-term disability | LIFE INS COMPANY OF NORTH AMERICA | 255 | $26K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 125 | $1.2M |
| Other | LIFE INS COMPANY OF NORTH AMERICA | 256 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.