| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONSTOP ADMINISTRATION & INSURANCE3 | 1617 PLEASANT HILL ROAD LAFAYETTE, CA 94549 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $72K | — | $72K | 4.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, FLOOR 14 ITASCA, IL 60143 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $12K | — | $12K | 0.72% |
| ONE BENEFIT SOURCE3 | 800 WILSHIRE BLVD, #710 LOS ANGELES, CA 90017 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $42 | — | $42 | 0.00% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 1800 SUTTER STREET, #730 CONCORD, CA 945202539 | KAISER FOUNDATION HEALTH PLAN INC. | $32K | — | $32K | 3.66% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 2300 CLAYTON ROAD, #145 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 8.89% |
| NOSTOP ADMINISTRATION & INSURANCE3 | 2300 CLAYTON ROAD, #1450 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
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 | 520 | 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) | 520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 930 | $2.6M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 930 | $1.7M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 930 | $1.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 719 | $98K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 719 | $98K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 719 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 930 | — |
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.