| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMIN. AND INS. SERVICES | 2300 CLAYTON ROAD SUITE 1450 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLANS, INC. | $140K | $0 | $140K | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | KAISER FOUNDATION HEALTH PLANS, INC. | $0 | $12K | $12K | 0.25% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMIN. AND INS. SERVICES | 2300 CLAYTON ROAD SUITE 1450 CONCORD, CA 94520 | SIMNSA | $47K | $0 | $47K | 3.00% |
| SUSIE A ESTRADA3 Filed as: SUSIE ESTRADA | 25742 PARK AVENUE SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30K | $13K | $43K | 10.27% |
| GREGORY ALFRED MOORE3 Filed as: GREGORY A MOORE AND OTHER AGENTS | 14 DEODAR IRVINE, CA 92604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27K | $4K | $31K | 7.37% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $4K | $25K | 6.00% |
| G SCOTT COOKE3 Filed as: SCOTT C CASTEEL | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $0 | $14K | 3.33% |
| RALPH F REA JR3 Filed as: RALPH F. REA | 84 VIA BARCELONA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $1K | $12K | 2.95% |
| GOLD RIVER FINANCIAL GROUP LLC3 | 2807 GRATTON ST RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $2K | $9K | 2.27% |
| LAMBERT MONTALBO3 | 26197 MIRADA STREET HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $908 | $8K | 1.85% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | STANDARD INSURANCE COMPANY | $6K | $2K | $8K | 3.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | LOCKBOX 740659 LOS ANGELES, CA 90074 | EYEMED | $12K | $0 | $12K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 4.85% |
| DAVID QUACKENBUSH4 | 5353 S GENOA WAY CENTENNIAL, CO 80015 | PRE-PAID LEGAL SERVICES, INC. | $753 | $0 | $753 | 23.44% |
| TRACY M PORTER4 | 2139 HONEY DRIVE 109 SAN DIEGO, CA 92139 | PRE-PAID LEGAL SERVICES, INC. | $15 | $0 | $15 | 0.47% |
| JAZMIN S. STEELE4 Filed as: JAZMIN S STEELE | 1575 HUNTERS POINTE AVE CHULA VISTA, CA 91913 | PRE-PAID LEGAL SERVICES, INC. | $14 | $0 | $14 | 0.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | NATIONAL UNION FIRE INS CO OF PITTSBURGH | $101 | $0 | $101 | 14.96% |
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 | 1,123 | 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) | 1,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 1,257 | $6.3M |
| Vision | EYEMED | 1,944 | $120K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,177 | $105K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 397 | $415K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,177 | $619K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 1,257 | $6.3M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,177 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,944 | — |
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.