| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONSTOP ADMIN & INSURANCE SERVICES3 | 2300 CLAYTON ROAD SUITE 1450 CONCORD, CA 94520 | SHARP HEALTH PLAN | $179K | $0 | $179K | 3.00% |
| NONSTOP ADMIN & INSURANCE SERVICES3 | 2300 CLAYTON ROAD SUITE 1450 CONCORD, CA 94520 | SIMNSA | $50K | $0 | $50K | 3.00% |
| SUSIE A ESTRADA3 Filed as: SUSIE ESTRADA | 25742 PARK AVENUE SAN JUAN CASPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $580 | $19K | 3.65% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $1K | $15K | 2.92% |
| GREGORY ALFRED MOORE3 Filed as: GREGORY A. MOORE AND OTHER AGENTS | 14 DEODAR IRVINE, CA 92604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $790 | $14K | 2.63% |
| G SCOTT COOKE3 Filed as: SCOTT C CASTEEL | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $148 | $9K | 1.73% |
| RALPH F REA JR3 Filed as: RALPH F. REA | 84 VIA BARCELONA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $167 | $7K | 1.38% |
| ELTHON ISRAEL CRUZ3 Filed as: ELTHON ISREAL CRUZ | 244 S 1200 E PAYSON, UT 84651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 0.75% |
| LAMBERT MONTALBO3 | 26197 MIRADA STREET HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $86 | $4K | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $5K | $23K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | EYEMED | $15K | $0 | $15K | 9.87% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $2K | $12K | 9.98% |
| DAVID QUACKENBUSH4 | 5353 S GENOA WAY CENTENNIAL, CO 80015 | PRE-PAID LEGAL SERVICES, INC. | $193 | $0 | $193 | 4.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | NATIONAL UNION FIRE INS CO OF PITTSBURGH | $75 | $0 | $75 | 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 | 2,691 | 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) | 2,691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | SHARP HEALTH PLAN | 1,568 | $7.6M |
| Vision | EYEMED | 2,410 | $148K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,268 | $115K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,691 | $523K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,268 | $751K |
| Prescription drug(3 contracts, 2 carriers) | SHARP HEALTH PLAN | 1,568 | $7.6M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 12,507 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,507 | — |
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.