| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMINISTRATION AND | INSURANCE SERVICES INC. 1800 SUTTER STREET, SUITE 730 CONCORD, CA 94520 | BLUE CROSS OF CALIFORNIA | $13K | — | $13K | 0.86% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMINISTRATION AND INS. | 2300 CLAYTON RD. SUITE 1450 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 7.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $328 | — | $328 | 0.25% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMINISTRATION AND INS. | 2300 CLAYTON RD. SUITE 1450 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 13.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $999 | — | $999 | 1.30% |
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 | 753 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 758 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 964 | $4.0M |
| Dental | BLUE CROSS OF CALIFORNIA | 964 | $1.5M |
| Vision | BLUE CROSS OF CALIFORNIA | 964 | $1.5M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 753 | $208K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 753 | $131K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 753 | $131K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 753 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 964 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.