| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONSTOP ADMINISTRATION & INSURANCE3 | 1800 SUTTER ST STE 730 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN | $28K | $0 | $28K | 3.00% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLSDALE BLVD. STE 201 SAN MATEO, CA 944023768 | KAISER FOUNDATION HEALTH PLAN | $19K | $0 | $19K | 2.00% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 1800 SUTTER STREET SUITE 730 CONCORD, CA 94520 | BLUE SHIELD OF CALIFORNIA | $23K | $0 | $23K | 3.00% |
| SCOTT CASTEEL3 Filed as: SCOTT CASTELL | 1450 W JAMES WAY ANAHEIM, CA 92801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $2K | $18K | 8.96% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 1800 SUTTER STREET STE. 730 CONCORD, CA 94520 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $655 | $8K | 3.84% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.32% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 1800 SUTTER STREET, #730 CONCORD, CA 945202539 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 8.99% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 2300 CLAYTON ROAD, #1450 CONCORD, CA 94520 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.59% |
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 | 302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 245 | $1.7M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 280 | $163K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 280 | $114K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 399 | $200K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 399 | $200K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 399 | $200K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 142 | $750K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 399 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.